I'm so proud of how far I've come. I remember just yesterday how discouraged I was all score in low 500s tu was actually in mid 400s!! This year has been an unhill battle fighting collections and writing gw letters but it has paid off! Scores (see below) have all jumped about 150 points across the board (tu almost 200 points) and I still have one more baddie to go....fp paid CO I am still fighting to get rid of it...I have two lates on my report and three cc a few store cards all fairly new I want to apply for the Barclay apple rewards but not sure if they are inquiry sensitive I want to get rid of my credit one card before the af should I just wait do I have a better chance at something else...thanks everyone for all your help..it's been a long year
Starting eq 503 ex 502 tu 462
Current eq 671 ex 629 tu 645
Util 18%
9 positive tl
1 negative 2011 CO (I'm confident I'll get it removed)
Next goal 700 club
Starting eq 503 ex 502 tu 462
Current eq 671 ex 629 tu 645
Util 18%
9 positive tl
1 negative 2011 CO (I'm confident I'll get it removed)
Next goal 700 club
@Anonymous wrote:
I'm so proud of how far I've come. I remember just yesterday how discouraged I was all score in low 500s tu was actually in mid 400s!! This year has been an unhill battle fighting collections and writing gw letters but it has paid off! Scores (see below) have all jumped about 150 points across the board (tu almost 200 points) and I still have one more baddie to go....fp paid CO I am still fighting to get rid of it...I have two lates on my report and three cc a few store cards all fairly new I want to apply for the Barclay apple rewards but not sure if they are inquiry sensitive I want to get rid of my credit one card before the af should I just wait do I have a better chance at something else...thanks everyone for all your help..it's been a long year
Starting eq 503 ex 502 tu 462
Current eq 671 ex 629 tu 645
Util 18%
9 positive tl
1 negative 2011 CO (I'm confident I'll get it removed)
Next goal 700 club
I have heard they are inquiry sensitive, they approved me last March for the Rewards card with lower TU score than you have. I probably had 5-6 inquiries on TU at that time. They did tell me that they like to see at least 1-2 years of good current payment history on credit card accounts. If none of your current accounts are over 12 months I would wait.
Do you have two Capital One cards?
Yes I have qs1 and platinum just would want to replace my credit one card with something a little betret