Wanted to share my recent credit app spree data points Approvals - Service CU: $24.5k CC + $5.5k LOC (relationship, no docs) - Robinhood Gold: $10k (no HP) - Coinbase One: $10k (no HP) - OnePay: $7.5k (no HP) - Barclays JetBlue: $11k - Amex Blue Business Plus: $2k → transferred $17k from personal BCP for a $19k limit (0%) - Chase Ink Business: Denied for too much available credit → recon approved for $8k SL - BOA Business: $2k SL (30-day review, requested business tax returns) - TD Cash: $20k (used pre-qualification first) - TD Double Up: $10k 0% (swept first TD EX inquiry and reapplied) - BECU Cash Back: $2k → recon to $5k + $3k LOC - BCU Cash Back: $5k (also pre-approved for an auto loan) - Navy FCU: Refinanced auto loan through hardship program to 5% APR for 72 months (no HP) Denials - Navy FCU Flagship (messed up the 2-tab method, plus little account usage) - Truist Business - Citizens Business - Citizens Summit ($30k prequal, didn't accept it and now can't get back through identity verification) - First Tech CU - Alliant CU (bad income docs) - NASA FCU (bad income docs) - Justice FCU (bad income docs, very stingy) - Langley CU (bad income docs) - US Bank Business - Truist Personal Main goal was business funding, but most lenders weren't messing with my 1-year-old LLC. Even with about $5k sitting in each business checking account, business underwriting has definitely tightened up. Thinking about changing my LLC from consulting to another NAICS before trying again in a year or two. The personal 0% cards should hold me over for now. Total new revolving credit: ~$140,500 Data Points - Age: 20 - Personal income: $95k stated - Used edited paystubs for some applications because lenders weren't accepting my OnPay owner-draw payroll - FICO: ~775–800 (highest EQ around 800) - Oldest account: ~2 years 5 months - AAoA: ~1 year 10–11 months - Utilization: 3% - No late payments - No bankruptcies/collections - Hard inquiries before spree: 0 EX, ~3 EQ, minimal TU - Existing revolving credit before spree: ~$40k–45k - Business: 1-year-old LLC

wassgood fam. droppin a real one for u today 🔋 most yall scared to ask for a credit limit increase cause u think every bank gonna hit u wit a hard inquiry n ding ur score. so u just sit on the same lil limit for years watchin ur utilization stay high. nah. amex got a move most yall sleepin on. heres the deal. when u request a credit limit increase on ur amex card. amex runs a SOFT pull. not a hard one. that mean it dont touch ur score at all. u can ask for more credit n if they say no. u lost nothin. no inquiry sittin on ur report for 2 years. nothin. why this matter so much. utilization is 30% of ur score. second biggest piece there is. say u got a $2k limit n u carryin $800 on it. thats 40% utilization draggin ur score down. now u get that limit bumped to $4k wit no inquiry. same $800 balance. boom u just dropped to 20% utilization overnight. ur balance aint move but ur score climb. thats free points. how u run it. first. log into ur amex app or pull up ur account online n find the request credit limit increase option. its right there under account services. second. ask for a bump but keep it reasonable. somewhere around double what u got now. dont go askin for some wild 5x number. that can trip a financial review where amex freeze ur account n start askin for tax forms n income docs. u dont want that smoke. third. if they approve. ur new limit hit instant n ur utilization drop on the next report. fourth. if they say no. wait bout 90 days n ask again. soft pull every time so u never takin a hit for tryin. big catch u gotta know. the only time amex run a hard pull is if THEY offer u a auto increase n u turn it down to ask for more. then they ask permission to run a hard pull. long as ur the one startin the request from scratch. its soft. every time. real talk. u been sittin on the same amex limit for a year plus too scared to ask. drop ur card n ur current limit below n me n my team will tell u exactly how much to ask for so u dont trip a review 💎

If I get a 80k car loan through my credit union, and I make 3 payments. Then, after those 3 payments, ask the bank to refinance my loan. Will it show 80k loan paid off on my personal?

First tech CU is trash now yall don't apply, even after they merged with DCU. They don't allow double dipping anymore, and they straight up denied me off the bat for their CC. Over 800 equifax score no negatives high limits on CCs

Also it say I have 28 days to accept. Is this true?