Rapid Rebuild & 619 ---> 850

My fall came from nothing more than ignorance. In 2014 I had a clean/thick/aged file and in the 10 years leading up to that point I had no problems ever getting any loans and the few times I did see a Fico score it was usually around 790 give or take. This was before I ever found a credit forum, looked at a credit report or joined any CMS. In 2014 into 2015 my file went from clean to dirty with 3 accounts showing delinquencies. It was really a comedy of errors. One (Synchrony) was a co-signed account for my girlfriend at the time (that got the statements and paid the bill) that simply stopped making payments. The second came from autopay issues with my mortgage company (NationStar) and then their inability to properly apply the payments. Last was my own stupid doing where I decided to pay off some 0% financed furniture early (Wells Fargo) and in my large final payment I somehow short-paid it by a couple of bucks. That tiny amount ($2.93) ended getting as far as 90D late. Since I was not monitoring my credit or ever looking at reports I was completely unaware that I had 3 dirty accounts on my CR. My assumption was that I was still walking around with a ~790 Fico score and that I could get anything I wanted credit-related. The reality check came when for the first time ever I was denied for an auto loan at the dealership. They were the ones that disclosed all of the recent negative information introduced to my CR. This was in March 2015. I only had 1 credit card at the time, a $10k limit local CU card that I had for around 15 years. Within weeks of being denied the auto loan my CU took AA and closed my card. They no doubt saw the negative information introduced to my CR from multiple accounts and probably saw the inquiries from the attempted auto loan hit. Increased risk, so they pulled the plug on me. I had a mailer sitting around a week or so later for a Capital One Platinum, so I responded to it and applied. I figured with my only card being closed, I needed something right away. I was approved for that, and my rebuild began at that moment. I can't remember if it was from the Capital One approval or the auto loan denial, but I distinctly remember a Fico score of 619 being my low/starting point. Again, this was shocking to me since I was always a 790 guy or so. I found a forum online and started educating myself. I developed the Saturation Technique and hammered the 3 lenders with which I had dirty accounts. NationStar was a fairly easy nut to crack. Synchrony and Wells Fargo took many Rounds of letters and months to crack. Synchrony gave in first, then Wells Fargo several months later. After 12 months of cleaning up my reports (2 out of 3 dirty accounts going clean) and letting my single Capital One card age, I did a 3-card spree in 2016. All 3 were approved with 5-figure limits. My Fico scores at the time had come back to 730-750. By early 2017 my file was 100% clean, Fico scores back to 790-800. I did another 3-card spree at that time. Following that spree I told myself no more cards for a long time, which I stuck to and didn't app for anything for > 4 years until just a few months ago! At that time I set my sights on 850s. That's what I wanted. I was fairly confident that when my AoYRA reached 12 months I could achieve that, so I sat on my hands for a year and just did lots of forum reading. I implemented AZEO and paid off my auto loan (still had an open mortgage). As expected, I was able to grab 850s in 2018. So in summary, I went from ~790 to 619 due to credit ignorance. My rebuild took me from 619 to 790-800 in roughly 20 months time, completely successful due to Saturation Technique GW letters. From my lowest point of 619 it took me about 3.5 years to reach the summit of 850s.