BK - 14 months post DC (filed 8/2019, DC 11/2019)
I think one of the things that is KILLING ME are my student loans. I have 24 TLs for open SLs - approx $76k (opened between 2003 - 2007, then went back to school 2012 - 2013), all perfect payment history (IBR, $0 pymt) except for 1, showing 30/30/60/90/90/90/120/120/90, DoFD 06/2014 so those lates should be dropping off soonish right?
The good - helps my credit age? AAoA - 10 years 2 months
The bad - IBR caused HUGE Utilization!!! Utilization on these accounts range from 107% - 217% individually, with aggregate utlization in the installment loan category being 130%
I can't get approved for decent SLs with most feedback being "Proportion of loan balances to loan amounts is too high" which I am assuming they are talking about my SLs because I PIF my credit cards every month. Not sure there is anything in my immediate future I can do to remedy this?
Anyways, needless to say, I was super excited to receive the following approvals, especially the Discover approval as this is the highest SL I've ever had!!! 
New Approvals:
Discover IT Cashback Rewards - Approved 1/13/21 (EX HP)
SL: $6000
APR: 20.99%
EX FICO8 score at time of app: 660
# INQ at time of app: 5/12, 17/24
NFCU Cash Rewards Visa - Approved 1/25/21 (TU HP)
SL: $500
APR: 14.99%
Score at time of app: ?
# INQ at time of app: 7/12, 15/24
Consumers CU Visa Platinum - Approved 2/5/21 (used same HP/report info from Auto Refi app on 1/21/21, refi DPs posted in the Auto Loans forum)
APR: 15.70%
SL: $500
TU FICO8 score at time of app: 623
# INQ at time of app: 6/12, 14/24
CLIs:
Kohls Charge - CLI approved 1/13/21 (EX SP)
Acct opened: 5/2020
SL: $300 -----> New CL: $700
FSCC Mastercard - CLI approved 1/25/21 (TU SP)
Acct opened: 7/2020
SL: $500 -----> New CL: $750
Consumers CU originally denied me for a CC when processing my auto refi but I was able to successfully recon thanks to all the awesome info in this forum!
Congratulations 🎉🎊🎈 on your approvals and CLIs.
Congrats on all your Approvals & CLI's 🎉👍
Congratulations on your approvals. On your way to 100k easy. Keep it going
Congratulations on your approvals and CLIs!
Grats to all your approvals a pretty good run here
