I could not help myself & app'd for the Freedom, I got the 7-10 message. I called the backdoor # & spoke to a really nice rep & she asked me some questions on my paid collection from 2006. The reason I applied again (app'd in Dec & denied) b/c they said my balances were to high. I've recently paid down my balances so I thought I would try again. Anyway the rep said "I tell you what, I'm gonna send this for recomendation for approval but I need a sign off" what does she mean by a sign off? Anyone had this before?
Starting Score: 580
Probably need someone higher up to approve with the collection.
@mAndrew1980 wrote:Sounds like you have a good chance of approval. What does your credit profile look like? Scores? CC's?
I know she pulled EX but I dont know my Fico EX, my EX Plus is 697. I have an old paid collection from 2006, 1 30 day late 2yrs ago & my utl is about 5%. I'm really hoping to get approve for this prime card, I want to axe my credit1 & orchard. She did say she would send for a recomendation for approval b/c the paid collection is old, crossing fingers here.
APPROVED!! yes, I am so happy! I can now axe my orchard & credit1, I called the automated status line & approved for $1k, not much but I will nurture & baby it to let it grow.
Congratulations 
Perfect way to start your weekend.
