Approvals

[gtnitright]

When you guys are getting these cc approvals do you have any unpaid baddies, lates? Or does everyone have clean records. I have a 710 credit score with 1 unpaid baddies and a few lates on mortgage from 2 yrs ago that they refuse to delete. I'm just curious. I want to apply for a card but a little nervous about a denial. My highest limit card is 1k.

[atd1970]

My TU has gone from 550 to 664 in 6 months. When I was in the 500s I got the Comenity Store Cards using the Shopping Card Trick. I also opened a SDFCU Secured Card (No Credit Check).

When I hit the 630s, I started apping for GERB cards, and got Walmart, Amazon, CareCredit. Then at 650 I got regular CC; Discover, Barclay Rewards, Barclay Apple.

I have 10 Baddies, no lates, and my Utilization is around 3%. I usually see a 10 point increase every month as the baddies fall off.

At 710, you are in much better shape than me.

[chalupaman]

No baddies. Just lots of inquiries and opened accounts.

[baller4life]

Yes two lingering baddies left!!

[takeshi74]

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@gtnitright wrote:
When you guys are getting these cc approvals do you have any unpaid baddies, lates? Or does everyone have clean records.

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Some do, some do not.

[xsvspd]

I had one paid baddie and 4-30 day lates from 2012 when I got the last 5 cards in my sig 3 weeks ago. I think you'll be fine.

[duyen28262]

Me: no baddies, no lates, but high UTI (about 50% overall and 99% on 3 cards)

My DH: one derogatory (paid CO CapitalOne), multiple lates (like 20), no CC at all. Then I added him on 5 good cards. Since then, he got approved for 2 CapitalOne cards, a Barclays Rewards $500, and JCP $500 store card yesterday (I think GERCB pulled TU and his score was 627 on the print-out)

[dodgerslv]

I still have one remaining chargeoff (from 2007, paid and updated in 2011) and a small paid collection ($51) from early 2011.

[ACG23]

Here're my stats: 

• One truly atrocious tradeline (Citibank student loans) with a year of solid history since. Goodwill in progress. 
• One bad tradeline that people don't seem to mind (a rehabilitated student loan) with two years of solid history since on the rehabilitated line.
• Two fairly old lates on a twelve-year-old Capital One account.
• About sixty billion fully positive Sallie Mae loan tradelines. 

I applied and was denied for Chase Freedom six months ago, when the bad part of the Citibank TL was still fresh in memory. Just got a CLI and product change to Quicksilver from Capital One, though. Once those post to my statement, I'll be applying for Freedom & Discover, and will report back. With the recent Capital One successes, I think the year has really made a difference. 

[gtnitright]

Thanks.. I'll let you all know what happens