8188140328 Posted April 23, 2013 Here is my credit at a glance. Credit Karma FAKO 736 Experian score: 702 Transunion: 704 Equifax: (Im putting a freeze on it since they cant seem to get my report accurate) Credit inquires: 8 Number of accounts: 11 (Macys doesnt report my card to Experian for some reason but I wish they did) Macy's: 3.4 yrs. $2,000 Walmart: 2.4 yrs $3,300 Capital One platinum: 2.1 yrs. $750 Target: 2 yrs $200 Sears: 1.6 yrs $2,600 Ashley's Furniture: 1.6 yrs $5,000 Best Buy: 1.6 yrs $3,300 Banana Republic: 1.6 yrs $1,100 Chase Freedom: 1.5 yrs $800 Capital One Visa" 1.4 yrs. $750 Utilization as of now: 0% Everything paid off. Ihad a US Bank account, but I closed it and my reserve line balanceturned into a loan. The high balance during October was $2,600, but Itspaid down to just $104. However, this month, my statement had mybalance at $1,800, so my score might go up after the first of may whenit shows that I paid $1700. I have a serious delenquencywith Capital One from 2009 (about 120 days), but I paid it off as agreedand closed the account in early 2010. Then I got A First Premiere BankCard and used it for a year, then I closed it when I got another CapitalOne Card. Im concerned about the delenquency because it stillfollows me. The last time that I had a late payment was 2.7 years ago.It was a random thing with capital one while I was paying the delequentaccount. Ive always paid all my bills on time and I madethousands of dollars in purchases with these cards and made some prettybig payments, especially recently. Credit Karma says that Ive made over220 on-time payments since 2010 when they started to keep track. So, what are my chances? Quote Share this post Link to post Share on other sites
Omnipotent Posted April 23, 2013 What's your income and how much do you put through the Chase and Capital One cards? Quote Share this post Link to post Share on other sites
Mo Munny Mo Problems Posted April 23, 2013 I would try a goodwill letter with capital one, if that doesnt pan out after a month or two, go for the card you want. If they deny you, clal in for a recon. The loan dude should be abe to tell you why they cant, and you can work on that. If you really realy want that particular card. If you have a highish income they might just give you the card anyways Quote Share this post Link to post Share on other sites
Art_Vandelay Posted April 24, 2013 Why don't you start with a Green card and get your foot in the door before trying for credit products. AMEX is pretty tough plus it's an EX inq too. Good Luck. Quote Share this post Link to post Share on other sites
googerz Posted April 24, 2013 Why don't you start with a Green card and get your foot in the door before trying for credit products. AMEX is pretty tough plus it's an EX inq too. Good Luck. +1 - one of the best ways to get in with Amex is with a Charge card. I would say that your single 120 day late (with multiple 30's?) from > 2.5yrs ago would probably be glossed over for a Green charge. I had 2x 30 days lates about 2yrs old and 18 EX inq's when I applied (and was approved for) Zync then was able to get Delta Skymiles Gold about 6mo later, then Platinum Charge, then the SPG card. Since Zync got discontinued, I guess Green is the entry-level card, although I guess the approval standards for all charge cards are very similar. Quote Share this post Link to post Share on other sites
Mo Munny Mo Problems Posted April 24, 2013 Why don't you start with a Green card and get your foot in the door before trying for credit products. AMEX is pretty tough plus it's an EX inq too. Good Luck. +1 - one of the best ways to get in with Amex is with a Charge card. I would say that your single 120 day late (with multiple 30's?) from > 2.5yrs ago would probably be glossed over for a Green charge. I had 2x 30 days lates about 2yrs old and 18 EX inq's when I applied (and was approved for) Zync then was able to get Delta Skymiles Gold about 6mo later, then Platinum Charge, then the SPG card. Since Zync got discontinued, I guess Green is the entry-level card, although I guess the approval standards for all charge cards are very similar. Id say you have a very good chance at a Green card as well more than likely you wouldnt get the blue cash , but you never know! I wouldnt be surprised if you did, either Quote Share this post Link to post Share on other sites
Rebuilding2010 Posted April 24, 2013 On a separate note, if you're from the Valley and that's your phone number as your screen name, I'd suggest asking to have it changed Quote Share this post Link to post Share on other sites
DiamondDan73 Posted April 24, 2013 I tried for the Green Card last month and was denied. No Re-con either. My score was high enough but I have a CO that was still reported as open even though I paid it off. When I was talking to the Recon rep, he told me I should call to apply and explain my credit situation to the phone rep and they would "help" me choose which card I would most likely be approved for. Quote Share this post Link to post Share on other sites