Bumping this post one last time,
I received the denial letter in the mail today on this, listing the reasons I couldn't get luv.
- - -
- LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
- PROPORTION OF BALANCES TO CREDIT LIMITS ON REVOLVING ACCOUNTS IS TOO HIGH
- PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
- LENTH OF TIME REVOLVING ACCOUNTS HAS BEEN ESTABLISHED
Your credit score (TU): 740
Date: December 18, 2018
- - -
My interpretation:
- Get my total AND per TL utilization down
- Pay my auto loan down further (currently 30% of original loan amount)
I already initiated BTs to my new TLs to lower util per TL. I'll pay down my auto loan to 9% or whatever this community has determined to be the best practice. Once my new TLs and CLI's begin reporting to the 3B, I'll take another swing at Marvel 
