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.
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.
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