06-07-2013 07:37 PM
I guess one of the charge cards would be the easiest to get.
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
06-07-2013 07:37 PM
I have some 60 day lates. That will fall off this fall and some state tax liens from 2005 that were paid in 09
How old are the lates?
06-07-2013 07:47 PM
Oct, nov, dec in 2006 ran into some trouble. They should fall off late this year. Maybe I need to garden for a while
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
06-07-2013 07:54 PM
06-07-2013 08:00 PM
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
You may gain points depends on if you have a thick credit file
Thin files usually suffer
06-07-2013 08:08 PM
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
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