Thanks to everyone on this forum for their advice, criticisms, opinions, and useful information in allowing me to reach the personal $100,000 TCL club.
Reaching the TCL was helpful with lowering my UT to 5% (will be 3% after Thrive's X1 Card posts) and increasing scores from 600s to mid 700s.
Next goal: $100K Business credit.
Oh WOW! Congratulations!!!!