am I ready to app for prime cards?

frddlawson · ‎12-14-2012

Ok. I have 696 EQ, 681 EX, 660 TU. Aaoa is 6yrs and 5 months. Util is 34%. Inquiries are 2 EX, 0 EQ, 3 TU. One baddie, medical collection that's scheduled to fall off at the end of 2013. I had lates on 3 accounts back in late 2009. I have been current on all accounts since. I have 2 bankamericards with 2500 limit each, discover with 3000 limit, 2 capitalone with 750 and 900, Mid-America with 1600. So can I app again or garden the cards I have? Most of these cards are sub-prone except for the discover. What do you think?

rudy0720 · ‎12-14-2012

Only thing that might hurt is the collection and the 34% Util

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$10K, Barclay Arrival Plus- $10K, Penfed Travel Rewards Amex-$10K, Bank of America Cash Rewards- $14K

rtw · ‎12-14-2012

I would suggest trying to get your uti down. You may be able to squeeze out a few more points. If you can get the collection removed your scores will probably get up to the 700s.

nicholasyud · ‎12-14-2012

uti down less than 9%
work on your baddie.
then you ready.

Starting Score: 560
Current Score: ?
Goal Score: 800

distantarray · ‎12-14-2012

did you pay the medical collections? if so send them a whychat's hippa process DV and it'll come off your reports now, also bring your utility down and you'll be fine for prime.

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758