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am I ready to app for prime cards?

New Contributor

am I ready to app for prime cards?

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?
Message 1 of 5
4 REPLIES
Regular Contributor

Re: am I ready to app for prime cards?

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
Message 2 of 5
Established Contributor

Re: am I ready to app for prime cards?

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.


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Message 3 of 5
Valued Contributor

Re: am I ready to app for prime cards?

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

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 4 of 5
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Established Contributor

Re: am I ready to app for prime cards?

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
Message 5 of 5