CHASE SAPPHIRE PREFERRED WORRIES/CONCERNS

[bourgogne]

spin like a top and make them cry.  words to live by.  lol but really congrats on your results

[Anonymous]

---

@bourgogne wrote:

spin like a top and make them cry.  words to live by.  lol but really congrats on your results

---

I know, it sounds unbelievable doesn't it? Even impossible right? 

Hard to comprehend hey!

[bourgogne]

---

@Anonymous wrote:

---

@bourgogne wrote:

spin like a top and make them cry.  words to live by.  lol but really congrats on your results

---

I know, it sounds unbelievable doesn't it? Even impossible right? 

Crazy isn't it?

---

not to me, I am driven by results, does not matter how they happen just that they do happen.  as ric branson says, enjoy the ride!

[Anonymous]

---

@bourgogne wrote:

---

@Anonymous wrote:

---

@bourgogne wrote:

spin like a top and make them cry.  words to live by.  lol but really congrats on your results

---

I know, it sounds unbelievable doesn't it? Even impossible right? 

Crazy isn't it?

---

not to me, I am driven by results, does not matter how they happen just that they do happen.  as ric branson says, enjoy the ride!

---

Exactly, you said it. Results. Stay focused, learn what relentless means and get it done.

[Anonymous]

Indeed--

[Anonymous]

Oh--I almost forgot--

For accounts that are closed, do I need to worry about requesting goodwill adjustments?  These are accounts that I didnt close, but that were closed by the creditor at least 3-4 years ago.

[Anonymous]

---

@Anonymous wrote:

Oh--I almost forgot--

For accounts that are closed, do I need to worry about requesting goodwill adjustments?  These are accounts that I didnt close, but that were closed by the creditor at least 3-4 years ago.

---

---

@Anonymous wrote:

Oh--I almost forgot--

For accounts that are closed, do I need to worry about requesting goodwill adjustments?  These are accounts that I didnt close, but that were closed by the creditor at least 3-4 years ago.

---

If they are reporting derogatory in any way, yes. Closed accounts reporting unsatisfactory will hold down your scores.

[EAJuggalo]

The easiest way for you to get a CSP is to use your FU consistantly, paying it on time and keep checking the "Your Offers" section of the website.  Eventually you will get a green checkmark on the CSP.  I went from no cards and the only thing on my report a 14 year old auto loan with Chase,  to a Freedom in January of 16, an FU in Oct. 16 and a CSP in April of 17.  Score never about about 670, held down by utilization and AAoA.

[Anonymous]

Reallly?  That's awesome.

I've only had my FU card since late April.  I hope I have the same results as you with the CSP...

[Anonymous]

To touch back on getting A CSP with a "dirty file" - consider me for data points.

Instant approval on CSP for $5k (eg just barely) after pre-approval on chase.com. Scores at time were all in 670-680 range, 2-4 inq depending on who you asked, 3 new accounts in last 30 days, util under 8%, 3 recently paid closed medical collections, 1 30day late on Cap1 from 2013. Aaoa ~4 years, oldest 15 years. Household income $85k.