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GECRB

Valued Contributor

Re: GECRB

go for amazon they have some good zero percent intros going on right now

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 11 of 28
Senior Contributor

Re: GECRB

Luckyy!! thats awesome. Maybe you got the store card which will upgrade later on Smiley Happy Great job!

Banking with CBofTV, BofH, and BBVA. All three are free checking accounts.
First Premier CC $500
Chapter 7 BK Discharged on 7/11/16
Equifax, Experian, Transunion, and ChexSystem are FROZEN.
Gardening Since 10/25/2017
Message 12 of 28
Contributor

Re: GECRB

Just updated my sig with the three most current scores, not sure why EQ is so much higher than the other two


Starting Score: CK 658 12/4/12 | CS 658 12/4/12 | myFico(EQ) 696 12/1/12
Current Score: CK 725 12/1/14 | CS 775 12/1/14 | myFico(EQ) 753 12/2/14
Goal Score: 800 Dare I Dream??


Take the FICO Fitness Challenge
Message 13 of 28
Community Leader
Valued Contributor

Re: GECRB


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. Smiley Happy


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 14 of 28
Contributor

Re: GECRB

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


Starting Score: CK 658 12/4/12 | CS 658 12/4/12 | myFico(EQ) 696 12/1/12
Current Score: CK 725 12/1/14 | CS 775 12/1/14 | myFico(EQ) 753 12/2/14
Goal Score: 800 Dare I Dream??


Take the FICO Fitness Challenge
Message 15 of 28
Community Leader
Valued Contributor

Re: GECRB


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?


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 16 of 28
Contributor

Re: GECRB

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  Smiley Happy


Starting Score: CK 658 12/4/12 | CS 658 12/4/12 | myFico(EQ) 696 12/1/12
Current Score: CK 725 12/1/14 | CS 775 12/1/14 | myFico(EQ) 753 12/2/14
Goal Score: 800 Dare I Dream??


Take the FICO Fitness Challenge
Message 17 of 28
Community Leader
Valued Contributor

Re: GECRB


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?  


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 18 of 28
Contributor

Re: GECRB

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


Starting Score: CK 658 12/4/12 | CS 658 12/4/12 | myFico(EQ) 696 12/1/12
Current Score: CK 725 12/1/14 | CS 775 12/1/14 | myFico(EQ) 753 12/2/14
Goal Score: 800 Dare I Dream??


Take the FICO Fitness Challenge
Message 19 of 28
Community Leader
Valued Contributor

Re: GECRB

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. Smiley Happy


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 20 of 28