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What does this mean?

Senior Contributor

What does this mean?

In order to apply for cc, you should have NO RECENT DEROG. REMARKS?  What do they call recent?  Would 6 months be ok?

Message 1 of 5
4 REPLIES
Valued Contributor

Re: What does this mean?

Most of th etime recent is under 2 yrs. I have heard of people being aprroved with less than that on CC's that said this before that app'd. Scare tactics that some, like Chase, use.
If at first you don't succeed... hang up and try again!!
Message 2 of 5
Moderator Emerita

Re: What does this mean?

This isn't carved in stone, but a lot of times it's no 30 days within the last 12 months; no 60 or worse within the last 24 months. But no telling with the jitters that the CCC's have been having with the financial uproar.
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 3 of 5
Valued Contributor

Re: What does this mean?


haulingthescoreup wrote: This isn't carved in stone, but a lot of times it's no 30 days within the last 12 months; no 60 or worse within the last 24 months. But no telling with the jitters that the CCC's have been having with the financial uproar.


I guess it is however they feel that day.

*creditor says* Hmmm... I think today we should let people be approved if they don't have a 30 day in 29 days!

Message Edited by jaybee on 01-03-2008 05:12 PM
If at first you don't succeed... hang up and try again!!
Message 4 of 5
Highlighted
Super Contributor

Re: What does this mean?

Check www.whogavemecredit.com.  Sometimes people list the age and amount of dreog info on their report.
12/08/2017 FICO: EQ 843 TU 849 EX 844
Message 5 of 5