I want to get a mortgage in 1-2 years. My EX FICO is 636 and I have 1 baddie...a CC that "settled legally for less" as of last month. I currently have one open CC (Zions) that has a $5K CL and I PIF every month. I want 2 more good lines before applying for a mortgage and I was thinking of applying for the BofA CC and hopefully getting at least the 99/500 that I could use and hopefully graduate up. Thing is, I also have a Chase CC that I closed about 3 years ago but still carry a balance ($3000 on a $5500 CL) on and I have had a perfect payment history for the whole time. Would I be better off calling Chase and asking them to reopen an account for me or will they just look at my FICO like all the others?
