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Hi guys, it's been about a year since I've engaged here(rebuilding my credit) but I've been in the garden to work on my scores as I was looking to refinance home.
And we have lot of missed payments(2017, 2019 and 2020), 1 CC charge off and closed accounts. During covid time paid off 90k+ CC loans and brought the uilization to under 1% for me and DW accounts during the last 12 months. Our scores came back up into low 700's(from 600's), also completed home refinance. last week I did apply a Mini Spree (5 new applications(all approved) for myself and 5 applications for my DW(1 got denied).
My apps(new approvals & CLI ):
BOA - 14k
DIS - 9K
penfed - 6k
FNBO: 15k
Amex GOLD - charge card
capital one - CLI - from 1k to 3k
My DW apps(new approvals&cli):
BOA - 15k
Penfed: 12.5k
FNBO: 15k
WF - Denied(reason too many late payments)
Elan(FID) --16.5k(finally got approved email after 7 days)
capital one CLI - from 5k to 7.5k
Congratulations to you both!
Congrats on the approvals and paying down that debt as well, excellent work!
Wow! Excellent approvals and congrats! I am hoping the one in pending review would be approved too. I am happy to hear you have a nice large bump on your scores. Congrats!
Congratulations to you and DW on the approvals!
Congratulations on the approvals toboth of you!! Nice landings there. ![]()
That's terrific!! Congratulations on both your multiple approvals!! 🥂🎉👏🏻
Congrats on yours & DW's approvals

Congrats! Way to play "2-player mode"!






















