Just noticed this got moved out of the original post for more exposure. (Thank you to whomever did that for me!) So, I suppose I should give some more DP's in this case. Here's my Experian info since from what I can gather, they'd likely pull the EX 8 or 9 (but IDK if that's the general 8 or 9, or the Bankcard 8 or Bankcard 9)....
8 is 713, 9 is 753, Bankcard 2 is 762, Bankcard 3 is 723, Bankcard 8 is 721, Bankcard 9 is 759. I have 5 inquires in the past 24 months, 3 of which were in the past year, and 2 of which were in the past month. Those 2 are the biggest thing giving me pause really. My AAoA is 3y4m, and my newest account is only 2 months old (an Ultamate Rewards MC, with $16 reported out of a $2k CL). Other open accounts are a CreditOne card with $9 reported ($700 CL) , a Kohl's card with $0 reported ($1500 CL), a Discover It with $1500 reporting ($17,200 CL), and a car loan reporting $26k out of $35k. One 30 day late from July 2017 is reporting, but no other blemishes exist (and that was due to a system error). Our household income recently more than doubled due to my fiance's career, and my own is also about to get a very significant bump. So I'm not sure what to list as income...my current personal income of only $42k, just my current plus his retirement, or my current plus his retirement and new employment, or my current plus his retirement, new employment, and business income, or my near future income plus his retirement, employment, and business income. Easiest thing to prove if asked for POI is my current employment plus just his retirement (via pay stubs), so I'm inclined to do whatever is easiest in that way.
