Long story short, I've been doing some rebuilding. Last summer's score was TU 505, EX 521, EQ 560. Baddies are 30 days late on my Matco account from 11/19, I had 4 inquiries within the last 12 months, 3 credit cards in the last 12 months, chapter 7 in 2017. I was looking to get a Bilt card for a while but was hesitant since Wells Fargo always denies. I pulled the trigger to contact PINNACLE CREDIT SPECIALIST last two weeks and explained my problems to them, which they offered to give me a solution to my bad credit score and my bad credit report. I subscribed to their service. The miracle here is that within 6 days they gave me an excellent score of TU 806, EX 811, EQ 814 and deleted the inquiries and late payment on my credit report. Last night I reapplied and was instantly approved for $15,000. Back to the garden for the rest of the year. Next target is Cap One X Venture. BIG THANKS to PINNACLE CREDIT SPECIALIST for their service and MyFico community. Hit them on email: PINNACLECREDITSPECIALIST@GMAIL.COM / Text + (872) 265 2951.