It took some patience and willpower to keep gardening, but after 12.5 months PenFed gave me a CLI from $1000 SL to $10000. I'm so appreciative of this community!
Here are the DPs:
Opened a savings account and applied for Power Cash Rewards same day 2/2020, approved for $1000. (Later in the year opened a checking when it was no longer a HP to do so). Hardly use the checking and savings, just park some money there. Light to heavy usage of PCR, not always PIF, but most months.
Online CLI Application, EQ instant HP
Instant approval $10,000
EQ9 743, EQ8 721
AAoA 8-9 years
Oldest credit card is under 4 years old
INQ: EX 2, TU 2, EQ 0 under 12 months
New Cards: Two new within 12 months
Sh*t-ton of student loans and lates, but all current as of 2015, no other loans or baddies on EQ
About 9-10% overall UTIL
CLs at time of app: Cap1Venure $6500, Ca1V1 $3500, Amex BCP $16300 (now $28500), Disco CB - $13300, WF Propel $13300, Amazon (Synch) $6000, Navy More Rewards $7000, Navy Visa Plat $25000, BBVA $2000, BoA Bankamericard $10000, Amex Plat.
Anyway, hope this helps someone out there!
Starting FICO 8: 620 Current FICO 8: 760s Current FICO 9: 770s
