I have read where someone had 650 t0 660 scores with 4 paid collections got approved and i am in that area. My scores are 650s across the board and I have 1 collection reporting on EX, TU and 2 reporting on EQ. I have 12% Util. I have a BCE 15K limit and a (AU with a 10K limit). I would like to get the collections removed but Portfolio Recovery Assc are giving me a hard time and I want this card because I will be doing some traveling soon. Income 124K a year, 3/24, 2EX inquries, and 1EQ inquiry in the last year. I opted out in the past and opted back in about a month or so ago. No prequals show up. I guess my question is do I stand a chance and if I was denied how long would I have to wait to reapply?
Well I went ahead and pulled the trigger and got the 30 day message. I called the robo lady and got the 30 day message. So any thoughts on my chances? Should I wait it out or call?
Well I just could not wait like everyone said but I tried. I was able to wait it out all the way til 8:10am. No patients but I guess I was lucky I called the verification number and after a couple questions about my credit report I was approved for 10K. They tried to send me the text verification but she asked if the cell phone I was using was in my name and it is not so she could not send the text for some reason thats why she asked the questions.