Chase prequal question

[Anonymous]

So... I finally have CSP showing up on their prequal, but I am 900% sure they are SP'ing TU for the prequal check. I have been cleaning up my reports for a while now, TU and EQ are almost perfect, just a 7 year old paid judgement left so I may ask them for EE. However, EX is still lagging on getting records updated so they are still showing a few medical collections and I know that Chase HP's EX for me here in Utah.

Fairly sure I can get all 3 100% clean if I keep working on it for another maybe 2-3 months, so would you guys agree I should do that before applying for CSP? Even if I could squeeze an approval or recon approval out of them now, my guess would be that the SL would be the 5k minimum, where I would guess that applying with totally spotless reports could net a bit higher SL.

What do you guys think?

[Anonymous]

Better be safe than sorry.  If you can wait 2-3 months, then do so.  Chase isn't going anywhere and the card will still be there in 2-3 months.

[takeshi74]

Definitely get your reports clean first.  Do not rely on prequals.

[Anonymous]

Yes wait...your approval CL will be substantial then. 

[Anonymous]

Thanks guys - I was guessing that was probably the best choice but figured it never hurts to ask the experts!

Even with that old judgement, TU and EQ are still about 770 so I will just be patient for a little longer so that EX will catch up.