Had 2 medical bills pop up right before application. Both immediately under dispute.
Apped cash plus. Manual review. Approved cash plus signature 2500
Recon. Told them one dispute already dropped, expected the same from the other. Said my highest card was 25k but was a business card (true but impossible for them to see). Told them, since they couldn't see my 25k and this collection is still temporarily on the report... I'll take 15k. Second hard pull, approved over the weekend. Full 15k.
TU 710 fico 8, 688 fico4 (I've heard they use that)
8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810 Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k