DH just got the Freedom after recon this weekend. We also brought his util down by doing a BT to one of my cards. His EX score from Oct'12 was 712. The Ink Plus is one of the cards that he's wanted to get, which would partner nicely with my CSP+freedom combo. Would it be better to app for it now or wait 3-6 mos? He only has 2 inq in the last year. The most recent one was for the Freedom this weekend.
He had to recon Freedom? Any ideas what his sores are now?
Yeah, he was denied initially because of one baddie (120+late on BR card) from 2007 and he was maxed out on his one CC but his overall util is now below 30%. No idea on current fico scores. He's got "good" FAKO scores but those aren't very helpful obviously.
Maybe he should go in to the branch. If not, maybe 6 mos
Yeah, the DH wouldn't have any problem proving up the business end. It's not the "I sold something on eBay once" type scenario! lol. He's got the 1099s to back his app up. 
It's just that his personal fico score is probably hanging around 700ish level due to high util on one of his cc and one baddie from 2007.
@parakleet wrote:Yeah, the DH wouldn't have any problem proving up the business end. It's not the "I sold something on eBay once" type scenario! lol. He's got the 1099s to back his app up.
It should have no bearing then with document if needed even with high personal UTL they just use personal credit as guarantor and his scores are good IMHO
The plus is they just report to business credit unlike cap1 that reports to both ink is a card i'm lookinhg at
@parakleet wrote:Yeah, the DH wouldn't have any problem proving up the business end. It's not the "I sold something on eBay once" type scenario! lol. He's got the 1099s to back his app up.
pay down the cards and see what it does to his score. if it goes up quite a bit he could go for it.
Update - DH apped for the Ink Bold yesterday and spoke with the analyst this morning - approved! Now we're both definitely in the garden until at least August.