US Bank Cash+ - Chances of Getting this?

[schrute]

My EX is 787, but I have a collection account that is 2-3 years old on there. What are my chances of getting a US Bank Cash+ card? US Bank is around the corner from me.

[enharu]

---

@schrute wrote:

My EX is 787, but I have a collection account that is 2-3 years old on there. What are my chances of getting a US Bank Cash+ card? US Bank is around the corner from me.

---

what's your AAoA, util ratio, limits on other cards (approx amt will do, like whether its >5k)? do you have a banking relationship with them?

i am asking for your other limits only because the cash+ is a visa signature and sometimes banks like to match whatever CL you have gotten, rather than being the guinea pig themselves.

is your score a fako or fico?

which bureau does us bank pull btw? always been wondering about this. i am in socal, california.

[schrute]

AAoA is ~7 years, $20K on a VISA at an CU, and $10K with another CU. Util ratio is 2%. I've never banked with US Bank.

My score is from the CU when I got the VISA, so I'm guessing its a FICO. But I have a collection on my reports, the only bad.

[LS2982]

Im a little skeptical about a 787 score being a FICO with a recent baddie.

Only way to know is to app. Is the baddie paid at least?

[enharu]

if your score is a fico, or a fako that isn't way too far off from your actual fico, you stand a good chance.

if you want to be absolutely on the safe side, you should try to get the collections removed. how much is the collection amount?

overall i think you stand a good chance, as long as that collection amount isnt excessively high. its almost 100% guaranteed u will get approved for that platinum if u dont get approved for cash+ though.

does anyone know which CRA does US bank pull for socal, california?

[schrute]

Its about 2 grand. Tough, because I don't know who the JDB is for it. They pull EX here in CA.

[LS2982]

@schrute is the collection paid?

[schrute]

Not paid. 787 score came from the Credit Union after they did a soft pull on my account. I have a pretty good thick file (mostly student loans) with 16 open accounts and 36 total accounts. Only baddie is one unpaid collections (no chargeoff).

[enharu]

damn! another company that pulls EX. Most of the cards I'm interested in happens to pull EX for some reason

With an unpaid recent collections, that might make things hard. I don't really know how strict/easy US Bank is with for their credit cards, so it's hard to tell you accurately as well.

did your CU use a FICO score? Or was it a vantage score or a FAKO?

If you want to be safe, use creditseasame (it's free) or some kind of monitoring service that pulls EX or all 3 for your FAKO. If possible, get a few to have a good estimate of your FICO by looking at a few FAKOs. 

[drkaje]

I wouldn't give up the HP in this situation. If they're anything like Amex, unpaid collectons aren't gonna fly.