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Has anybody had any success with this? I defaulted on mine in 2009 and recenetly paid back a settlement plan. When I go online to apply I never make it to a form. It asks me to log in and then I get an error that my profile doesn't have sufficient information and hit ok to apply. Then it takes me to a screen that says the offer is unavailable.
If you have settled what was owned, you should be able to get back in with them. But if those are your current FICOs listed in your signature, I urge you to wait a bit until your profile improves....
@ryox03 wrote:Has anybody had any success with this? I defaulted on mine in 2009 and recenetly paid back a settlement plan. When I go online to apply I never make it to a form. It asks me to log in and then I get an error that my profile doesn't have sufficient information and hit ok to apply. Then it takes me to a screen that says the offer is unavailable.
How long ago did you pay them back? If recently you're most likely gonna have to wait awhile. Your EX is on the low side even for the Delta card
I paid in settlement and got approved approximately 2 weeks after my CR updated. YMMV.
Wait for your EX score to hit at least 660, however, before applying.
@Anonymous wrote:I paid in settlement and got approved approximately 2 weeks after my CR updated. YMMV.
Wait for your EX score to hit at least 660, however, before applying.
Very strange. I just applied for a personal loan with SoFi and they noted my EX score as 671. Wonder what Fico version that is.
Regardless, I can't even get to the point to fill out the application on their site, lol. I can wait it out 6 months to a year. I am "rebuilding", but I am only applying for cards I am actually going to use. After Amex and Discover IT I think I will be done.