Congratulations on paying down debt and so many finacial wins 🎉👍🏽😎
@Anonymous wrote: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 with 2.62% rate with 30 year term and refinance got closed four weeks ago..after that applied for HELOC and got denied due to forebearance during last year. last week I did apply a Mini Spree (5 new applications(all approved) for myself and 5 applications for my DW(1 got denied and 1 pending review).
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) -- still in review
capital one CLI - from 5k to 7.5k
Congrats to the both of ya!
and 
Awesome. Congrats to both of you!!! 
Teamwork makes the Dream work!!! 
Pretty good run there for both of you, grats to all the success
Congrats on all yours and DWs approvals!
