conversation: User (awpti): "Howdy folks.\n\nA year ago, I had a credit score of ~620 across the three reporting agencies. I made it my mission to fix that shit by going through my credit report with a fine-toothed comb and crushing debt. I got a new job making more money and I threw the extra at debt. It worked!\n\nAs of 1 week ago, my score with all three agencies finally cracked 710 average. I was stoked!\n\nMy bank came in and fucked all of that up in a hot minute.\n\nThe card in question:\n\n- 10k limit, 10%\n- Current balance: ~7800\n\nI've had this specific card for over 5 years and have maintained a high balance on it, but not by choice. It has been at &gt;85% for almost that entire time due to endless medical debt. It very recently dipped below 80% and should be paid off by the middle of next year.\n\nIt turns out they haven't been reporting this card to any agency for at least the last 60 days. My credit score is right back where it was when I started this mission. Again, I've had this card and a running high balance for *years*. This isn't new debt, it's old debt that's finally being taken care of.\n\nWhat can I do? Am I fucked for yet another year or more?\n\nI'm so pissed I'm seeing red. I chose not to call the bank because I'm pretty sure they'd be sending me off to find another institution to bank with after I unleashed my rage-beast. They picked my one pet-peeve to light on fire: Wasted time "
  Self: "Have you tried asking for a credit line increase?"
  User (awpti): "Well, seeing as my score just shot south of 640, I assume I'll be denied."
  Self: "What bank? They might use the score they have on file that's more than a week old. "
  User (awpti): "Altier Credit Union. They use an outside underwriter for loans and increases, so each request is a fresh ping."
  