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I have no collections on my Eq and Trans. I have 3 charge offs and a short sale on all 3 reports all 2 years or older. NO lates in past year. Score is 653 myfico Equifax . Do I have a good shot at a hilton card? Hilton is pretty much my second home since I travel alot. I want a card to rack up more points with them.
What credit cards do you currently have?
Hilton Citi card?
2 Cap ones
1 Barclays
1 Home Depot
@CreditGuy03 wrote:2 Cap ones
1 Barclays
1 Home Depot
I think having the Home Depot help your chance... I had luck through the EO Office for my partner after he was computer denied a Citi Card, so you could apply and go that route if you have to.
Were either of your charge offs with citi or amex? Also, both pull primarily from experian. You mentioned no collections on eq or tu, how about ex? If you have charge offs with either and/or you have collections on ex, I'd guess that your borderline score will be a decline...but stranger things have happened. Good luck!
Hopefull they approve
I would go for the Amex Hilton. Easier to get and more points per dollar.