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Will I be Approved for CSP???

Contributor

Will I be Approved for CSP???

I recently got approved for Merrill+ Card with $15K Limit. I also have BOA Accelerated Rewards with $7000 and BOA Privileges with $7500 Limit. TU score is 657 but EX and EQ scores are close to 650. Income is above 200K. Apart from those cards I also have Discover( $2500) and Barclay ($2500). CR still shows 8 baddies from 6.5 years ago
Message 1 of 7
6 REPLIES
Contributor

Re: Will I be Approved for CSP???

Very unlikely for a instant approval, but just might be able to get in with Chase recon, especially since those baddies are almost 7 years old. 

What is you AAoA? And inquiries on Experian (Chase will pull EX)

Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)
Message 2 of 7
Contributor

Re: Will I be Approved for CSP???

AAoA is 4.5 years and 3 inquires in the last 6 months
Message 3 of 7
Contributor

Re: Will I be Approved for CSP???

What are the baddies for?

Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)
Message 4 of 7
Frequent Contributor

Re: Will I be Approved for CSP???

what about your utilization?


CSP-$8700, Amex BCE-17.2k, Chase Freedom-$5700
Discover It-$6600, USAA MC-$5900 Ink Bold- $12k United Explorer-$5k
Message 5 of 7
Contributor

Re: Will I be Approved for CSP???

charge offs and paid collections

Message 6 of 7
Highlighted
Contributor

Re: Will I be Approved for CSP???


scottykhan wrote:

charge offs and paid collections


How many inquires on each of your CRs in past 12 months? 

 

I think you would be approved with recon especially with that kind of income. 

 

Take a stab at it! Let us know!

Capital One 2006--$5,000 ||| AMEX Macy's 2008--$2,300 ||| Kohl's 2009-- $1,000 ||| JCP 2010-- $1,000 ||| Walmart Discover 2010-- $5,000 ||| Sears 2011 -- $3,600 ||| Sears 2011 -- $3,500 ||| Chase Freedom 2012--$7,500 ||| Discover IT 2013 -- $4,000
||| Chase Sapphire Preferred 2013 -- $10,000

SCORES: EQ FICO: 787, EX FAKO: 801, TU FICO: 790 (Lender Pull)
Message 7 of 7