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I was approved for $1500 around end of August after a recon.. My score was 649 and I had 19 inq, 3 new credit accounts within 3mths, 1 new loan within 1 mth. 2 paid CO, 1 paid collection, 1 unpaid judgement(3yrs old) I think my util was under 20%
Pulled EXP here in san diego score 652 10 inq 0 uti instant approval 5k
I might stay in the garden for now.. my approval odds might still not be in my favor ....and almost two months in the garden, as a rebuilder, seems forever!
@kobe2012 wrote:What is the credit score requirement for this card? Are they inquiry sensitive even on recon??? I have 3 derogs and 6 inquiries the past 6 months 12 the past 2 years rebuilding... Im in the garden but was wondering if i have a shot
I'd be concerned about the recent INQ's. When do you plan on apping?
@LS2982 wrote:
@kobe2012 wrote:What is the credit score requirement for this card? Are they inquiry sensitive even on recon??? I have 3 derogs and 6 inquiries the past 6 months 12 the past 2 years rebuilding... Im in the garden but was wondering if i have a shot
I'd be concerned about the recent INQ's. When do you plan on apping?
I was actually gonna pull the trigger earlier! Lol ..but i stopped myself... I just want a real rewards card since i use my capital one for everything... Singe i bank with chase, i think their rewards would be a lot better.... Im thinkin about discover and zync but i dont know if they will approve me with 3 derogs
@kobe2012 wrote:
@LS2982 wrote:
@kobe2012 wrote:What is the credit score requirement for this card? Are they inquiry sensitive even on recon??? I have 3 derogs and 6 inquiries the past 6 months 12 the past 2 years rebuilding... Im in the garden but was wondering if i have a shot
I'd be concerned about the recent INQ's. When do you plan on apping?
I was actually gonna pull the trigger earlier! Lol ..but i stopped myself... I just want a real rewards card since i use my capital one for everything... Singe i bank with chase, i think their rewards would be a lot better.... Im thinkin about discover and zync but i dont know if they will approve me with 3 derogs
How old are the derogs and are they paid??
@LS2982 wrote:
@kobe2012 wrote:
@LS2982 wrote:
@kobe2012 wrote:What is the credit score requirement for this card? Are they inquiry sensitive even on recon??? I have 3 derogs and 6 inquiries the past 6 months 12 the past 2 years rebuilding... Im in the garden but was wondering if i have a shot
I'd be concerned about the recent INQ's. When do you plan on apping?
I was actually gonna pull the trigger earlier! Lol ..but i stopped myself... I just want a real rewards card since i use my capital one for everything... Singe i bank with chase, i think their rewards would be a lot better.... Im thinkin about discover and zync but i dont know if they will approve me with 3 derogs
How old are the derogs and are they paid??
One was falling off this december (unpaid)... one was falling off 2014 (paid).. and another unpaid one was almost 5 years old...... I started with 7 negs 5 months ago, then I found this forum and am down with these....
@kobe2012 wrote:
@LS2982 wrote:
@kobe2012 wrote:
@LS2982 wrote:
@kobe2012 wrote:What is the credit score requirement for this card? Are they inquiry sensitive even on recon??? I have 3 derogs and 6 inquiries the past 6 months 12 the past 2 years rebuilding... Im in the garden but was wondering if i have a shot
I'd be concerned about the recent INQ's. When do you plan on apping?
I was actually gonna pull the trigger earlier! Lol ..but i stopped myself... I just want a real rewards card since i use my capital one for everything... Singe i bank with chase, i think their rewards would be a lot better.... Im thinkin about discover and zync but i dont know if they will approve me with 3 derogs
How old are the derogs and are they paid??
One was falling off this december (unpaid)... one was falling off 2014 (paid).. and another unpaid one was almost 5 years old...... I started with 7 negs 5 months ago, then I found this forum and am down with these....
I would consider waiting at least 6 months to a year before apping with Chase. The unpaid derogs wont be in your favor but the older they are the less they will hurt you.
I applied for a Chase Freedom a few weeks ago and have 2 CO (1 paid and 1 unpaid) and they were unable to approve me even with recon. Total bummer considering both of them are 6 years old and due to fall off next year.