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I need some advise as to what to do? I applied for Chase card and got decline due to collection which are going to fall off in couple of months. I have one collection that wouldn't fall off until next year according to TU should I just wait until I applied for card again at least when everything falls off from credit report? I still have my SchoolFirst CU Visa card for the time being and I always paid in full. My current score right now is 716 Experian, 616 EQ, 585 TU. When your collections comes off from CR does your point goes up as well? Please advise. Update: I called Chase back door and they told me if I could take off the collection account from my CR they would approve me. I also applied for AMEX but no word yet. And the last one I Applied is Nordstrom they just wanted to verify my address but I haven't receive anything from them since. What aremy chances of getting the AMEX and Nordstrom?
I applied for their charge card since I always paid my balance in full.
My main goal is to get the Chase Sapphire Card since I like the perks they provided. Also I have another dilemma the other collection wouldn't fall off until next year its about $800 should I just pay this off? would it be worth it though? I could make an arrangement from them to take this off if I paid my debt with them. What do you guys think?
I was wondering that myself too. I would though that my score should be around more in the 600-700 atleast. I pulled all 3 reports and they do have the same info at least what I can see. is it because of the collection? The other thing I could thing off could be that SchoolFirst CU only report to Experian. What do you guys think?
Ok, looking at my current CR some of my student loan are not being reported to the other CU is that common?
If they are private student loans then it is up to the lender if and which to report to. I would think student loans through the Dept of Education would be reported to all.