09-08-2013 07:04 PM - edited 09-08-2013 07:05 PM
What type of lates? Single 30 and 60 day lates stop impacting your score at about 2 years. But a clean report looks good.
Try using the pre-qualified screen and see if anything comes up. It will only be a SP. Then if you apply it will be a HP. No guarantees of approval though.
09-08-2013 07:07 PM
Well the cap one (2 cards) and chase have multiple lates that eventually went to collections. I know there is no guarantee, and I even have a freeze on all of my reports, so I would probably need to life those before doing the prequal.
09-08-2013 07:11 PM
09-09-2013 07:02 PM
Pulled TU, 688. Same accounts as above. I'm wondering if I should attempt an app for an unsecured CC or wait and for now get another secured card? I kind of feel as if I need a little more credit out there. Any opinions? I'm working on GW's for the accounts above. Thanks
09-10-2013 07:20 AM
09-10-2013 11:16 AM
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