Thanks for all of the good info. I used to be very active on this board years ago. I was able to join Navy Federal because of this forum. As my sig says, my scores are a little dated. I lost my job when covid hit but never had a late pay on anything and things just got a bit carried away on my one CC. I applied for a new CC a few months ago but only got a $2.5k limit (granted, I've never had a Discover card). I probably will approach a family member about a loan.
Starting 12/27/16 FICO Score 8 EQ 645 TU 643 EX 618 Current 6/27/17 FICO Score 8 EQ 797 TU 804 EX 782
Goal 740+ ACHIEVED 4/5/17 FICO Score 8 EQ 776 TU 762 EX 748
With your scores as high as they are, I would try and go to a credit union for a loan. Even if its not the full ammount if you are able to refinance atleast part of your debt, you will be saving lots on interest, so long as its a favourable interest rate.
BK7 DC 5/21 5 Month Post DC Gardening Since: Im bad at that... Current Fico: 617 Ex 10/20/21 Goal Fico: 690 8/22 Total Credit Line $1700