Hi CreditHawk,
I have Airtran Visa Platinum (Barclays/Juniper-No AF). I got instant approval on-line. They pulled TU. First CC in 12 years, no open CC accts prior to this one. FiCO scores in April were 667, 656. FAKOS in June were Experian 742, Equifax 690, TransUnion 652.
Negatives: 1) Pd collection dated 4/07. Lates w/Chase x4 (2002, 2005) and I have since requested removal and I am awaiting their response. Still have mortgage with them. 2) Two duplicate accts listed on CR, 1 states 60 days late x1 and the other is listed w/30 days late x2, 60 days late x1 and 90 days late x8. And this was after it was purchased by someone else and I never made pymts to them. The initial delinquency started in 1998. I recently sent a request to CRAs to take it off since it is >7 years. However, it is currently being paid via consent judgement that has not been reported the CRAs by the OC or the company who bought it and will soon be paid off in 12/07. I have to figure out how to have it NOT reported once the judgement is paid. Per the lawyer's office the creditor will report it after it is paid. And I know that will tank my scores. Any thoughts. It was suggested that I offer to pay it early for them not to report it. But then of course there is the possibility it may not be reported since it has not been reported to date. I have been paying monthly since 12/06. I'm in a quandry since I don't want to open a can of worms if there is a possibility it won't get reported.
Current FICO 07/07=Experian 701, Equifax 671, TransUnion 672. The thing that turned things around for me I think was the collection getting paid and having 24 mos of consecutive on time pymts for mortgage. After the Airtran I got 5 other cards. So I am trying to cool my heels. I may need to get a car come the end of the year. Another reason I don't want the judgment reported when paid.
I hope helps. Sorry for the lengthiness, just wanted you to get the whole picture.