07-27-2008 12:34 PM
07-27-2008 01:57 PM
07-27-2008 03:32 PM
07-27-2008 03:38 PM
derrickv wrote:I had a CC from Capital One in 1999 that was charged off. Finally came off my reports a year or 2 ago. I never paid it.I wonder if Capital One would give me another shot.I haven't tried BoA yet but will look into it.Im trying to figure out which cards would give me the best chance of getting approved with my short history and scores.
Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!
07-27-2008 03:43 PM
07-27-2008 06:23 PM
07-27-2008 07:42 PM
Your collection looks like it should fall off this year. If that is the case I would wait to apply. You could get better offers without the collection. What is the exact date on the collection?
Just my 2 cents but I would think you really get a good offer without the collection.
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