Does that hold any water, I was recommended a Discover More Card and I just don't think I will qaulify, Equifax FICO score of 623. Transunion 620 and Experian Fako- 626. I have two collections that are 3 years old totalling $1800, and 6 months of on time payments with the my current credit cards. I am a student with a part-time job 18k annually. What are the odds, I heard Discover is picky these past months with all the recession. I probably should wait until I can pay those collections off or should I jump the gun? The best bet is probably to pay those collections off in a couple months then apply right? Thanks for the help, I know I should pay those collections off, but does that preselector card hold any water, will they accept me with 2 old collections on my file?
Starting Score: EQ 515 TU 490 EXfaco 510