https://ficoforums.myfico.com/t5/Credit-Cards/Little-help/m-p/326381#M110463 <DIV>Hey to all<img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" />)</DIV><DIV>My first post,what a great forum comunity!</DIV><DIV>Got couple of questions.</DIV><DIV>1. Is it better to actually call to apply for credit card,If I have extended fraud alert on the file?</DIV><DIV>2. I am AU on my brothers Chase credit card with high utilization.They are reporting 90% of the credit.Is it better to dispute the card with CB to get it removed( I don't think my bro will pay it off any time soon)</DIV><DIV>3. I have one charge off reported 5 years ago. No collections and about 39 INQ from 2 years ago.My EQ score is 658 ,TU and EX almost the same.Is it safe to apply for some good CC's?</DIV><DIV>Thank you</DIV> Sun, 24 Aug 2008 23:23:26 GMT Anonymous 2008-08-24T23:23:26Z https://ficoforums.myfico.com/t5/Credit-Cards/Little-help/m-p/326381#M110463 <DIV>Hey to all<img id="smileyhappy" class="emoticon emoticon-smileyhappy" src="https://ficoforums.myfico.com/i/smilies/16x16_smiley-happy.gif" alt="Smiley Happy" title="Smiley Happy" />)</DIV><DIV>My first post,what a great forum comunity!</DIV><DIV>Got couple of questions.</DIV><DIV>1. Is it better to actually call to apply for credit card,If I have extended fraud alert on the file?</DIV><DIV>2. I am AU on my brothers Chase credit card with high utilization.They are reporting 90% of the credit.Is it better to dispute the card with CB to get it removed( I don't think my bro will pay it off any time soon)</DIV><DIV>3. I have one charge off reported 5 years ago. No collections and about 39 INQ from 2 years ago.My EQ score is 658 ,TU and EX almost the same.Is it safe to apply for some good CC's?</DIV><DIV>Thank you</DIV> Sun, 24 Aug 2008 23:23:26 GMT https://ficoforums.myfico.com/t5/Credit-Cards/Little-help/m-p/326381#M110463 Anonymous 2008-08-24T23:23:26Z