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Any of you gotten Premium CC with 1 collection reporting?

Regular Contributor

Re: Any of you gotten Premium CC with 1 collection reporting?


MountainHiker wrote:

jtc411 wrote:

I had a collection and a CO when I app'd for the Zync card.  I also CO's on an Amex Gold card back in 2004.  Granted I got the 500 limit with autopay, I don't really care.  I app'd to get the backdating and my foot back in the door with Amex.  I don't regret it at all. 

 

PS my EX was like 640


jtc

Was your collection with AMEX paid off or unpaid?


It was paid to AMEX a few months after the chargeoff.  Even if yours was unpaid, I don't think its going to matter.  The Zync seems like one of the easiest cards to get.  A 640 Fico with negative history, oh and my util% was 45 and 2 of my cards were over the limit.  I was shocked.  I also on that same night was approved for the Discover More card

 


Starting Score: EQ 619
Current Score: EQ 735, TU 732, EX 745(Lender Pulled)
Goal Score: EQ 700


Take the FICO Fitness Challenge
Message 21 of 23
Established Contributor

Re: Any of you gotten Premium CC with 1 collection reporting?


jtc411 wrote:

MountainHiker wrote:

jtc411 wrote:

I had a collection and a CO when I app'd for the Zync card.  I also CO's on an Amex Gold card back in 2004.  Granted I got the 500 limit with autopay, I don't really care.  I app'd to get the backdating and my foot back in the door with Amex.  I don't regret it at all. 

 

PS my EX was like 640


jtc

Was your collection with AMEX paid off or unpaid?


It was paid to AMEX a few months after the chargeoff.  Even if yours was unpaid, I don't think its going to matter.  The Zync seems like one of the easiest cards to get.  A 640 Fico with negative history, oh and my util% was 45 and 2 of my cards were over the limit.  I was shocked.  I also on that same night was approved for the Discover More card

 


Wow, Very impressive.You bacisly have the very cards that I hope to have.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Message 22 of 23
Highlighted
Regular Contributor

Re: Any of you gotten Premium CC with 1 collection reporting?


MountainHiker wrote:

jtc411 wrote:

MountainHiker wrote:

jtc411 wrote:

I had a collection and a CO when I app'd for the Zync card.  I also CO's on an Amex Gold card back in 2004.  Granted I got the 500 limit with autopay, I don't really care.  I app'd to get the backdating and my foot back in the door with Amex.  I don't regret it at all. 

 

PS my EX was like 640


jtc

Was your collection with AMEX paid off or unpaid?


It was paid to AMEX a few months after the chargeoff.  Even if yours was unpaid, I don't think its going to matter.  The Zync seems like one of the easiest cards to get.  A 640 Fico with negative history, oh and my util% was 45 and 2 of my cards were over the limit.  I was shocked.  I also on that same night was approved for the Discover More card

 


Wow, Very impressive.You bacisly have the very cards that I hope to have.


Give both of them a shot.  I think you'd be able to get them.  Then let them Garden

 


Starting Score: EQ 619
Current Score: EQ 735, TU 732, EX 745(Lender Pulled)
Goal Score: EQ 700


Take the FICO Fitness Challenge
Message 23 of 23