I started my business in 2014 with credit in 400s. Credit showed collections accounts in excess of $100k & at the time I didn't understand the importance of keeping good accounts open & active. Statue of limitations & a fantastic credit repair guy later...
2018 I was low 600s & didn't realize pay day loans HP every time which screwed me for buying my house alone. Dad co-signed after the lender ran 3 more HP. (Ouch!) 6+ INQ set to drop off from Aug - Nov. I believe I have 8 TU & EQ. The EX app is showing 17 
but some of that is business related. Does that make a difference? Klarna pulled twice, which I disputed with them about a month ago.
Chase business ink approved me for $20k with PG. Blew my mind. Not yet reporting. And Discover IT 7k personal. Not yet reporting.
Vantage is 770 (why can’t this be real?!)
Fico 8 TU 700, EQ 686, EX 681
Looking to refi mortgage soon. I'm at 5.75%. Ew.
Where do I go from here?
Personal
CapOne 0/1250
Dupaco 300/2.5k (reporting $1.5k uti, waiting patiently for update)
TJX. 300/3k
Carmel Fin. 0/$5k
Discover 1.1k/7k (instant approval!! Not yet reporting)
CapOne 0/10k (Auth user)
Kohls 0/1k (Auth user)
CENLAR $73500 5.75%
HELOC $12k/20k 7%
Nelnet student loan $30k
WF student loan $25k
1 baddie paid 2018 TU, No negs EX EQ, AAoA 5 yrs TU, 4 yrs EQ, EX 5 yrs
Business -NAV D&B A (14 reporting)
EX A (4 reporting), EQ C (1 reporting)
Chase Ink $20k PG (woohoo! Brand new!!)
DB&T debt consolidation $45k
Only accounts up to $1k are reporting now & multiple cash accounts.
Uline 350
Quill 250
Grainger 350
New Egg $5k
Dimensions AA 1k
Lowes $4k
Menards $3k
Marathon $2k
BP fuel $2k
BP universal $2k
Citgo $1k
Speedway $2k
Amazon Corp 6.5k
Impressive rebuild. Congrats!
Unless you are VA eligible or where seeking Commercial property I can't offer much. Hopefully someone will be able to answer or it may get a better response under the Mortgage section.
