I haven't pulled my score since the initial decline. My one credit card was at 0% util. I had no inquiries on the TU report that they pulled. Then I had one inquiry on the updated report I sent them, since they had pulled it initially.
I have 2 installment loans. One is a motorcycle loan for ~6000 originally and I owe 4300. The other is a personal loan for 5700 and I owe about 3800.
My TU FICO was 682 before a Baddie repo with a few lates was taken off (taken from their decline message).
I have an AAoA of about 8 years. The CC was opened in 1998.
I have 0 late payments after the baddie was taken off.
So I found out AMEX pulled a second score so they could set the APR based on that score. They sent me my new score. My TU FICO is now 780!!! It was 682 about a month and a half ago. The difference is the repo w/ lates from 5.5 years ago was removed and the CC util was 9% instead of 0%. I now have 2 inquiries showing up on my CreditKarma account. I'm pretty sure those are both from AMEX.
I'm excited! This is much more improvement than I was expecting.