As you can see below, my scores have come up a long ways but I have some to go. Currently waiting my last collection to be removed. Once done, I am expecting scores to go up another 15-20 points.
However, my report shows 7, yes 7, charge offs that are all at least 18 months old. All have been paid and all report a $0 balance. 5 are with Cap 1 and they wont budge on the GWs.
Anyways, I currently have a US Bank secured card but would like to have a quality card to have in addition. (US Bank will graduate once that collection is gone)
Anyone have recommendations on a card I could be approved for with so many negatives?
@denver133 wrote:As you can see below, my scores have come up a long ways but I have some to go. Currently waiting my last collection to be removed. Once done, I am expecting scores to go up another 15-20 points.
However, my report shows 7, yes 7, charge offs that are all at least 18 months old. All have been paid and all report a $0 balance. 5 are with Cap 1 and they wont budge on the GWs.
Anyways, I currently have a US Bank secured card but would like to have a quality card to have in addition. (US Bank will graduate once that collection is gone)
Anyone have recommendations on a card I could be approved for with so many negatives?
Hmm 7 CO is an lot, and they are all pretty recent. You can try pre quals from chase cap one citi boa and see what they tell you so they you an really rough estimate of where you are credit wise. I honestly would see if you could PFD those CO before even attempting to get another card.
Can't PFD due to all of them being paid for already.
@denver133 wrote:Can't PFD due to all of them being paid for already.
Then i guess GW is your only option. I think your negatives on the credit report is really whats going to hold you back.
My advice would be to let them age a little longer before applying for anything. Since they're recent lenders will see you as a risk even though they're paid. Good luck!
Let them age and use the secured card for another year before applying
