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go for amazon they have some good zero percent intros going on right now
Luckyy!! thats awesome. Maybe you got the store card which will upgrade later on Great job!
Just updated my sig with the three most current scores, not sure why EQ is so much higher than the other two
@crew99 wrote:Just updated my sig with the three most current scores, not sure why EQ is so much higher than the other two
The only one that matters is the FICO. The others are FAKO. With a FICO of near 700, you should be good to go on the Amazon too. This is assuming that you have a decent AAoA and utility. i would actually app the Chase Amazon Visa if you elaborate a little more on your credit file.
not sure if this helps...pulling straight from fico
Currently I have 1 satisfied judgement and 5 accounts with neg indicators.....1 foreclosure 3 years back turned to a loan mod, 1 CO, 3 late payment accounts (sent out GW letters to everything yesterday....fingers crossed!)
1 HP within the last year
2% credit utilization
AAoA 8 Years
Oldest account 13 Years
Most recent late payment 3 years, 1 month ago
@crew99 wrote:not sure if this helps...pulling straight from fico
Currently I have 1 satisfied judgement and 5 accounts with neg indicators (sent out GW letters to everything yesterday....fingers crossed!)
1 HP within the last year
2% credit utilization
AAoA 8 Years
Oldest account 13 Years
Most recent late payment 3 years, 1 month ago
Hey! The satisfied judgement is also 3 yrs old? All everything else looks good if so. What are your CC limits?
judgement was satisfied october of last year
I have a 3K, 5K, AU on a 5k amex (not sure if it's reporting or not), and now a 500 walmart card
@crew99 wrote:not sure if this helps...pulling straight from fico
Currently I have 1 satisfied judgement and 5 accounts with neg indicators.....1 foreclosure 3 years back turned to a loan mod, 1 CO, 3 late payment accounts (sent out GW letters to everything yesterday....fingers crossed!)
1 HP within the last year
2% credit utilization
AAoA 8 Years
Oldest account 13 Years
Most recent late payment 3 years, 1 month ago
Just read your edit- That judgement and CO is what's really hurting you. How old? The 3 late payments hurt but they are getting older now for average credit CCs. Also, is the loan mod reporting as a current installment loan?
CO was Dec 09, judgement satisfied in Oct of last year. Mortgage is now "Pays as agreed" but under the comment it says loan modified under fed gov plan
Well, based on this info, I'd say go for the Amazon GE. Leave the Chase Amazon Visa alone till you get some of the other baddies removed or they age some more. That judgement's going to be a bear to remove. I give you a 75-80% approval odds for GE Amazon. 50-55% Chase Visa. You haven't burnt any inqs for a while and this is a good thing. GE will pull TU. Chase will pull EX/EQ more then likely. It wouldn't hurt your profile to have a couple of more positive trade lines. If your feeling gutsy, app the Chase see where you stand. You might get approved on recon. Worth the work if so.