10-15-2011 05:14 PM
I'm not sure what they will think about those judgements and collection, but if they have pre-approved you, then I say go for it. Pre-approvals aren't guaranteed, but it usually means you stand a good chance as long as your income is high enough.
Good luck and let us know what happens. It usually takes about a week to get your approval from them.
10-15-2011 06:14 PM
I'd put $100 they will not approve you with judgment/collection. I had a 750 score when I had them during an app spear which netted me over 200K in lines in 2-weeks. I used FNB because I wanted a wedding photo on the card ) I had a great line, impeccable record and 2 months later during a soft pull they noticed my inquiries and closed the account. I didn't really care and I heard they hate inquiries - but I was pissed that I couldn't use my wedding card anymore (this happened at the mens Toys 'r Us store..aka Home Depot!