Barclays Bank and Priceline Visa

[Anonymous]

Do you think i have a chance to get approved

trans fico 701,eq fico 683,ex what its called is 721,

trans,1 baddie 5 yrs ago in dispute,10 inquiry

eq 1 baddie 6 yrs old in dispute,14 inqs

ex clean report

oldest credit card 2 yrs old,youngest card 3 months

walmart started $700.00 first cli $300.00 now $1000.00 5months old

capitalone #1 $1000.00 its 1 year old

capitalone #2 $750.00 9 months old

capitalone #3 $750.00 6 months old

firestone  started $900.00 cli $500.00 now its $1400.00

primer i no but had to do it start $300.00 cli $250.00 cli $200.00 cli $300.00 total$1050 2 years old

chevron start $500.00 cli $200.00 total $700.00 8 months

jc penney start $500.00 cli $1500 total $2000.005 months

dillards,oldnavy,start $300.00 cli 200 total $500.00 6 months old

macys $1600.00 just got cli but it doesnt report cl

is my credit to young,do i have a chance,or should i hold off and wait for a nother year ,my last inq was 3 months ago,i have 11 accounts 10 inqs primer just fell off,i have tried to be wise about credit i havent been turned down yet in the last 2 years,but i want a visa besides capitalone or primer,just got pay increase at my job $103,000.00 a year  99 percent of the time i pay in full once every 4 to 6 months i let maybe $25.00 roll over to keep them happy lol

any advice would be wonderful

[MrShush]

In my humble opinion, with 1 neg. and 10 inquiries, approval could be a stretch, however, other members here have had some luck with approvals with reports with a little dirt. Two options here: A) wait a year until your TU is clean B) app now and see what happens. The worst that'll happen is you'll be declined but Barclays is very good with recons and you have a fairly good shot at reversing the denial. Anyway, YMMV but you never know until you apply.

[Anonymous]

I think I may wait the year,that gives ne a cleaner credit report,higher score,which should mean higher credit limit when approved,Im tired of getting $500.00 credit limits and having to build them up.Thanks for your advice

[MrShush]

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@Anonymous wrote:

I think I may wait the year,that gives ne a cleaner credit report,higher score,which should mean higher credit limit when approved,Im tired of getting $500.00 credit limits and having to build them up.Thanks for your advice

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Good luck in which ever you decide. I do agree, waiting might be for the best but it is the hardest part of rebuilding.