This was in the matter of 5 days! I went up 168 points in a matter of 5 days!

My score just went up 131pts im at 677 now

Finally got the CLI approved 🔥 Went from a $5,000 limit to $11,000 — a $6,000 increase 🚀 NFCU don’t soft pull when you go for cli they be taking snapshot of Equifax . finally updated and I submitted the CLI request this morning. It went pending review at first, then the new available credit showed up in the app a couple hours later 💰 Appreciate everybody in the group who gave advice along the way. Now it’s time to keep building and move on to the business funding side 🔥🚀💳

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

Wassup family. I wrote a goodwill letter to the creditors. The first attempt was back in January and they had denied me. The second attempt was in April and they had sent my request over to the credit team for review now I am finally seeing results. Also, my AU hitting too on the same day. Boost my score out the 600 range into the 700 range.