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I want to apply for a discover it card and citi card. Dose anyone know if i have a old paid judgement and 1 collection(medical) on my credit report will that affect me getting approved?
Those things do have an affect, BUT it will most likely be affected by your score, utilization of cards you may already have (or lack there of) and any late payments reporting.
OMG...I just applied yesterday. really wanted to get the 5% cash back
I have an old paid judgement, 4 or 5 paid collection accounts....DENIED and another HP
On my denial, my score was a measly 615 and they listed judgment, collection, and too many inq.
back to my corner in the garden.
I've been scared to app them. Its not like i dont have more than enough to start with tho. I have had no luck with Citi and just scared to mess with Discover. I NEED to go to the garden for about 4 months, let the dust settle and see where things are. Just got a Chase amazon rewards card with a $50.00 discount on my next order, but heck at this point, i dont even want to use it.
KoolDev!!!! Lets go to the garden...I felt so stupid after being denied yesterday.
In less than 2 months, I cleaned most of the baddies off my CR...but, I have also added the following:
Barclays- $143/500
Cap1 Visa- $120/1000
Target- $0/200
NFCU- $900/10k (not reporting yet)
I already had VS $0/300 and Cap1 MC $0/750. ....The 5% cash back was calling my name.
Ok, im in the Garden until my Fico Eq hits 710ish then i can refinance my last subprime loan ! I have way more than enough cards. Just dont need anymore lol. I jsut checked the scores thru Fico and my Tranunion Fico is now 733, wooooohooo ! Eq is stagnate until reports come in and we get an idea if the paid collections is goin to come off. Man i hate waiting ! lol All lates and the collection has come off my Transunion, crosses fingers for Eq
You so DONT need DiscoverIt right now. You are in an awesome place! If my GWs don't work, most of my baddies will fall off in 2015...actually I have a most recent collection account from 2011! FCO they are refusing to delete. Goodwill away!!!
FWIW, I applied with 1 public record and 1 collection and they approved me (not instantly). YMMV
@AccountingGuy, recon?
I would like to know all of my credit scores and get alerted when it change. How do I go about getting it?