Citi Dividend - Chances of get this card?

[schrute]

I'm looking to apply for this card and have a 787 credit score. But have a collection on my EX and EQ accounts. Am I risking a HP without a card with this profie? AAoA is 7 years. 2 cards, one with $20K and the other $10K.

[dodgerslv]

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@schrute wrote:

I'm looking to apply for this card and have a 787 credit score. But have a collection on my EX and EQ accounts. Am I risking a HP without a card with this profie? AAoA is 7 years. 2 cards, one with $20K and the other $10K.

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I just got approved for a Simplicity card with scores much lower than you. They pulled EX and EQ. I have two paid collections on EX that are about 1.5 and 2 years old (not credit card collections though). None on EQ but do have a paid and unpaid CC chargeoffs from 2007. I would say if the collections are paid you may have a good chance. My AAoA on EX is about 4.2 years and EQ 3.6 years.Good Luck if you try!

[enharu]

is your collections paid or unpaid? how much is it for? how recent / old is it?

[schrute]

Unpaid. The DOFD is 2009. Appeared on my report about 2010 possibly 2011. No CO on my CR.

[boomhower]

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@schrute wrote:

Unpaid. The DOFD is 2009. Appeared on my report about 2010 possibly 2011. No CO on my CR.

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And you have a 787 FICO?  I'm finding that a little hard to believe, I think you got a FAKO from somewhere.  Citi is picky about derogs.  I was declined for two collections from 2006. 

[schrute]

The credit union pulled my soft, I'm guessing it was a FICO. Maybe a soft is always a FAKO.

[enharu]

i think you asked about the US Bank Cash+ earlier, right?

However, it is going to be very hard with any prime lender if you have an unpaid collection that is >500 dollars. I would certainly advise you try to set up pay for deletion or something for that collections to be remove, or at least pay it off, or just wait till it drops off your CR. 

[SnackTrader]

Be careful on a paid for delete that you don't reactive the collection. 4 years have already gone by, so make sure you research heavily before you do ANYTHING on a four year old baddie. You do not want to re-start the clock.

I don't know the details on baddies, but I just like to caution everyone before they make drastic moves.

[schrute]

I would make a letter that says they agree to a PFD and that it would end all collection attempts on that debt, and that the debt cannot be re-sold, so forth, etc.

[LS2982]

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@enharu wrote:

i think you asked about the US Bank Cash+ earlier, right?

However, it is going to be very hard with any prime lender if you have an unpaid collection that is >500 dollars. I would certainly advise you try to set up pay for deletion or something for that collections to be remove, or at least pay it off, or just wait till it drops off your CR. 

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I thought this poster rang a bell.....

I wouldn't apply for ANY prime cards until you resolve that collection OP. It's that simple. Your going to be wasting HP's.