Amex

[Stonemanmv]

I guess one of the charge cards would be the easiest to get.

[Stonemanmv]

I have some 60 day lates. That will fall off this fall and some state tax liens from 2005 that were paid in 09

[myjourney]

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@Stonemanmv wrote:
I guess one of the charge cards would be the easiest to get.

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Your score are good for a charge and if approved App any revolver you wish minutes later. I did it yesterday YMMV tho

Good Luck should you app 

If you are monitoring your CR if they pull a HP your not on the list if they don't pull Amex long memory is in effect

[myjourney]

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@Stonemanmv wrote:
I have some 60 day lates. That will fall off this fall and some state tax liens from 2005 that were paid in 09

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How old are the lates?

[Stonemanmv]

Oct, nov, dec in 2006 ran into some trouble. They should fall off late this year. Maybe I need to garden for a while

[myjourney]

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@Stonemanmv wrote:
Oct, nov, dec in 2006 ran into some trouble. They should fall off late this year. Maybe I need to garden for a while

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Amex is a picky lender IMHO what's a few months for CR to clear up you have come so far and I think you have done well. and have a good shot baring blacklisted

The old saying better safe than sorry wait a little longer for better chances just my 2 cents tho

[Stonemanmv]

I think that's a god plan. I'll garden til next year. I'm wondering how many points ill lose when my mortgage hit Eq and tu. I lost 40 points in Eq for new cc and utL going from 3% to 16% what gives

[myjourney]

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@Stonemanmv wrote:
I think that's a god plan. I'll garden til next year. I'm wondering how many points ill lose when my mortgage hit Eq and tu. I lost 40 points in Eq for new cc and utL going from 3% to 16% what gives

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You may gain points depends on if you have a thick credit file 

Thin files usually suffer 

[Stonemanmv]

Oldest acc 10.6 years. AAoA 3.5 years

[myjourney]

I think you will be fine and probably see an increase and the plus is by the time your ready to leave the garden scores will be even better IMHO