Can you elaborate more regarding your credit profile?
Try explaining your situation. The late is very old. Had a hard time, Collections you didnt know any better and learned from mistakes. Paid one , the other you feel is not correct. All derogs are years old. Point out you have a good trade line no lates on time payment. Tell them you heard they are a good company to build with. That you would like to be given opp to be a loyal customer as you are just starting to build your revolving trade lines. Tell them you want to take advantage of rewards and make discover your go to card for all your purchases. And if you have to BEG. Tell them that given the opp to build relationship will never be forgotten and will be a loyal good customer for vary long time. Whatever you got to say, honey fight for it. I myself am preparing to beg for a chance in the am.
Starting Score: 585
@dabolts_619 wrote:
4 paid car loans last late was three years ago. 2 charge off 1 paid one balance of 600 both due to fall of in July and afni collection due to fall off March(fall of dates are from annual credit report) only credit cats reporting is secured cap one 200 limit. just got cash rewards nfcu but don't know when that will start reporting.
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So, let me get this straight ; lates on your car loan from 3 years ago; 30,60, or 90 day lates? you have 2 COs and 1 pd CA still on your report. Your current cc is Cap1 with a $200 limit - when was opened? and a cc with NFCU- limit unknown.
What are your FICO's? Do you know your cc limit with NFCU? Utilz? AAOA? Inq?
Just off the top of my head- I think you should have waited until July for all of your baddies to fall off plus that would give your score time to increase assuming that you keep your util down and have no more baddies.
Your chances for approval will increase once you can demonstrate positive payment history of 6 mos or more. You are on the right track.