I consider the SLs and CLIs of yesterday and today’s app spree + luv button pushing spree to be the answer to OP’s question. I’d like to tell everyone a story that explains why.
I began my credit rebuild journey in April 2015 with a $300 secured cap 1 card, and I think I created a myFICO account the following month to pull a 3B report. I clicked the “Community” link on accident and that’s how I discovered this community. Reading the content in the Approvals & Applications board without absorbing the content in rebuilding board(s), I app‘d and app’d over 2-3 months until the denials started coming in. Walmart store card, private label furniture store card, the $11k auto loan I’m still maintaining today for FICO performance purposes, 2 jewelry store cards issued by the same bank, and being an AU on DW’s secured BofA account - that was how my credit reboot journey began.
Anyway by qtr 3 in 2015 I had received denials from BofA, Disco, AMEX and prolly others, prolly due to thin file, excessive HPs, and i maxed out most of my TLs. By the end of 2015/beginning of 2016 I was here in the forum getting schooled by the OGs here. Some of those educators are still active on the boards today (Thank you very much). Before summer 2016 my TL balances were almost PIF, credit was optimized, preapproved by 3 lenders for a mortgage...then I went on another app spree.
App: Amex BCE 10k SL
App: Marvel 2k SL then CLI to 6k
App: Cap 1 QS VS 5k SL
CLI: Walmart 800 to 1500 to 4500
CLI: Cap1 QS1 1500 to 3500
CLI: jewelry accts SLs to 5800 total
DENIALS when balances started reporting ;(
Maxed out most of these TLs in the summer and fall of 2016 and I believe I came back to the rebuild forums looking for love from the members of our community. I was looking in the wrong place because I clearly hadn’t changed my credit behavior that messed up my credit in the past. And we didn’t buy a house because we carried all those balances started reporting.
I started getting it together last year (2017) when I discovered Dave Ramsey and his baby steps while listening to him on the radio. I was tuned to that station for a morning show + Sean Hannity in the afternoon. When I started paying attention to the Ramsey show and the message of living debt free, that’s when I got my **bleep** together mentally and started paying down debt because baby step 2 made more sense than the desire to have credit. I’m not anti credit like Ramsey is; I’m just not going to be slave to the lender anymore.
Fast forward to yesterday; some of you may have noticed all the success I had over on the Approvals board. I only did all that to lower my overall util. Also, it was humbling because I was methodical and intentional about it, and the shock and awe that came with the 2015/2016 approvals wasn’t there this time. I’ve matured mentally with regard to building and managing my credit profiles.
Not interested in carrying balances ever again. I’m still gazelle intense about paying off my remaining balances. I went on a methodical app spree because I see home ownership on the horizon again, and I may benefit from optimizing my credit profiles in an intentional manner. i completely understand I can have no credit and no credit score and go through manual underwriting like Dave Ramsey says I should. For all I know, I may lose interest in credit and go that route when we buy a house. For now, I’m enjoying earning CB rewards and SUBs doing nothing more than spending money according to the zero based budget I’m already living by.
And that explains my answer to OP’s question in my first paragraph. Thanks for reading. I wish everyone a responsible credit journey 
I'd say my Venture VS and QS WEMC less than a year after BK for 10g's each. Those days are gone now.
