So my wife and I (more the I than her) really ruined our credit more my fault of being young and immature. We have been married for 8 years now and made a collective decision 3 years ago that we WERE going to fix this. So Exactly 3 years ago we set out on our credit rebuilding journey. My average was a 480 and hers was a 460; we began paying off outstanding debt we had opened a secured line with NFCU for $2,000 then increased it to $2,700 6 months later. We waited out our 2 years when NFCU unsecured our card but no CLI came along with it. 6 months ago I applied for another line of credit (Platinum) just to have another revolving line. I only inquired for the minimum but was pleasantly surprised when we were automatically approved for a $10K line. Now that we are 3 years with our Rewards line we just got a CLI by NFCU themselves from $2700 to $4200. So I took advantage of the soft check and requested another increase(same day as there increase). No answer yet but I will update. Of and our scores went from 480&460 3 years ago to a 650 & 630. Be diligent and it’ll all work out!