@woodyman100 wrote:
@12njoy wrote:
@woodyman100 wrote:@12njoy ! How have you been my friend!
I haven't been on much either.
You are doing better than I am on the apping.I've toned it way down, but I still have guilty months.
Congrats on the new Vuela!
@woodyman100 Thanks. I'm good. I hope all is well with you. I've only not really app'd because its slim pickings for me. I was getting denial after denial. I've picked up just a few cards within the last year (Apple card, Uber Visa, BB&T and now this one). I must say getting the "you're approved" still feels pretty good. Almost as it didn with the very first one. I found out yesteday that I met the eligibility for PSLF so I'm looking forward to that $165,000 debt coming off my credit report. I'll test the waters once this anchor weight is gone. I still want to try to get that US Bank Altitude (probably a late 2021 goal now) and PNC Bank which has alluded me all these years.
I'm going to try the PNC business route next week I think.
Right now I have several Credit Unions cooking for CC apps next year. Was getting denials as well so I had to get more strategic.
I refinanced my house last month and had to write 34 letters of explanation
That was an experience!
Wow 34 letters of explanation. I can't even imagine. I'm at a standstill again. I was thinking of going for another Barclays card, but after being rebirthed with them just 5 months ago, I better sit tight. They'll CLD me again and I'll close it up again 
No more prospects at the moment for me. It's a shame because my scores are all up and low inq's but nothing to do with this good fortune. I finally got control of my EQ report again. It has taken a beating this last year and now I can stop the bleeding. Even with 14 inq's in the last 2 years, my EQ FICO is still 742. The stars are just not aligned for me right now 
(Formerly known as: Credit is my hobby (1.6M)/TCL objective)