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Hey Everybody! I've got my eyes on a Barclay card and Im determined but I cant waste another inquiry on them until i think my chances are pretty good, so I need some feedback. I was denied last November with a horrible report and a TU fico of around 560, but i see where people are being approved with low scores on creditpulls and my uncle got one with 26 negative TL's so I know it cant be that hard, but unfortunately TU is my worst report, but heres what it reads. My TU-VT is 720, not sure about FICO but last month my Fico8 bankcard score was 648. I have 14 negative TL's most of which fall off within the next year, 7 open CC paid never late, all opened within the last 8 months. Capital One $1000 opened 10/13 First Premier $300 opened 10/13 Open Sky $200 (secured) opened 12/13 Fingerhut $800 opened 3/14 Merrick Bank $300 (secured) opened 3/14 US Bank $500 opened 3/14 Marathon $500 opened 5/14 I also have 8 morgages paid off, never late about 6-8 SL's paid never late and 5-10 CC's closed paid never late, all old accounts and closed. my current util is 1% and I have 3 Inquiries, barclay 11/13 and 2 from 3/14 my negs are: Chase CO $0 - drops off 11/14 LVNV CA drops off 1/15 LVNV CA drops off 1/15 HSBC CO $0 drops off 2/15 Nelnel SL 120+ lates drops off 3/15 nelnet SL 120+ ;ates drops off 3/15 applied bank $1798 drops off 5/15 Credit One CO $0 drops off 7/15 HSBC CO $0 drops off 7/15 LVNV CA drops off 7/15 Chevron CO $0 drops off 9/15 ECMC SL CA $24k drops off 12/15 ECMC SL CA $14 drops off 12/15 Brandsmart CO $0 drops off 5/16 off course im disputing everything as obsolete 6 months early, hopefully i wont have to wait until next jan until all the 7/15's drop off but what do you think about my chances?