Which credit card would approve me?

[Anonymous]

I have been rebuilding for the past 6 months. I was an AU on a maxed out Citi bank card and I just removed myself, which bumped up my score a lot.

I am looking to get another credit card to help rebuild my score. Capital One should give me my CLI steps in a few days as well.

Capital One Platinum: $274 / $1100 (Next reported balance will be $66)

Income: 45k

FICO 8 Scores from CCT:

Experian: 634

Transunion: 667

Equifax: 667

Student Loans (Current):

$34,627.00

Time Since Negative

1.8 year(s)

2 Charge Offs (2013-2014):

Chase: $1100

Cabelas $2100 

No collections.

Should I pay off the Charge Offs before I apply for another credit card?

Any idea if Penfed or NFCU would approve me?

[Creditplz]

Penfed I would stay away from if I were you IMO, I think Navy would though...

[Anonymous]

Two UNPAID chargeoffs is going to be tough.

I think you would have a better chance if you pay them. If their yours you should pay them anyways.

[Anonymous]

Your scores are a bit higher than mine and I was approved last month for Discover and Navy Fed. Now I'm relaxing in the garden and waiting for them to grow. I would think you would be approved if I was with a BK just a little over a year old.

[Anonymous]

Interesting.

Do you mind if I ask what the SL was for Navy Fed ?

[Anonymous]

I would personally pay off the charge off's prior to apping for anything new. But if you decide not to, than I would do Navy over PenFed. 

[Anonymous]

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@Anonymous wrote:

I would personally pay off the charge off's prior to apping for anything new. But if you decide not to, than I would do Navy over PenFed. 

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Any idea how Navy looks at charge offs?

[Anonymous]

I think you would be good with Navy. I had a charge off and a collection account with lower scores then yours. See the below link for the whole story.

http://ficoforums.myfico.com/t5/Credit-Card-Approvals/NFCU-Quad-Pull-and-Quad-Approval-Customer-for-...

Good Luck!!

Edit: Keep in mind Navy is pull happy. At the minimum you will have 2 TU pulls for membership and a CC