Finally Ready to App, Suggestions?

[SoCalBound]

I knew you couldnt have a paypal smart connect and a paypal extras, I did not know about the Bill Me Later and Extras though.  Thank you for that information, knowing that will save me a lot of trouble.

[kimmiller112]

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@tray wrote:

Have you tried the web site,  who gave me credit , to see what other people were approved for barclay cards and with what scores at least you will have an idea, and it also shows what states?

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That website is experiencing difficulties and has been every time I have tried going on it for the past month.

[SoCalBound]

Sadness... I guess I got the motivation to fix my Equifax today.  2% utility reporting and an Equifax FICO of 682.  Compare that to my Transunion Fico of 727 with 48% utility. All over a inaccurate medical bill from almost 6 years ago.  I am afraid to even try for Discover More or Bill Me Later

[jamesdwi]

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@SoCalBound wrote:

Sadness... I guess I got the motivation to fix my Equifax today.  2% utility reporting and an Equifax FICO of 682.  Compare that to my Transunion Fico of 727 with 48% utility. All over a inaccurate medical bill from almost 6 years ago.  I am afraid to even try for Discover More or Bill Me Later

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Bill Me Later is probably out of the question, in december I got a Tiger Direct via Bill Me Latercard 4k CL, used it to $2000, paid off in 6 months, Should of did all my shopping at once would of gotten 18 months no interest, but instead got 6 months and 12 month no interest but they always applied payments to both specials so it was imposible to pay off the 6 month no interest first. 9 months later the account is zero balance, I applied for a Paypal BillMeLater account denied, my score dropped to 685 because of INQ's and UTL is up to 22% and AAoA is down about 4 months So even a good current customer has very little impact on approvals and 680's is too low for them. 

[SoCalBound]

Just got my Fico Transunion score, 779.  Wow... (least til all my new accounts report, but still....)