Credit Karma says that the collections and COs are no longer on my TU report, CCT confirmed this yesterday when my TU FICO 08 went from 659 to 707 on the monthly 3B pull.
I'm trying very hard not to get knew cards as I have a bet with BuYao to stay in the garden. However, as I'd already taken the hard-pull in January, I decided to call the backdoor number and talked to a really nice guy in underwriting.
He grilled me about my report, a lot. I answered honestly. That I'm clearing out my rebuilding cards and trying to work on my "forever" cards.
Apparently, I was straight rejected in January because they have a 4 month window where if you were denied for a card in the last four months, they auto reject you.
At the end of the grilling he kept saying how well I was doing, and I kept waiting for the "but..." Instead he approved me for $5k. Sweet!
So far, I haven't seen a new hard pull. So here's to hoping that sticks.
EQ 657, TU 707, EX 670
35ish new accounts in the last year and a metric crap ton of lates (thanks, Sallie Mae, you're a sweetheart!)
Edit: I was also trying to force an update to the TU score they have before my Sixth statement cuts in a week or so. Hoping for a fat auto CLI on the Arrival+
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Barclay's Miles&More Recon Success
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