Any recommendations for CC that overlooks lates?

[boogiesaveslives]

I have one late in July and 2 that are a year old.  Looking at Barclay and Cap One (pre-approved for QSO and Platinum).  I know I should garden but I'd like to consolidate sooner than later.  Any suggestions?  Scores below are current. 

Thanks!

[Anonymous]

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@laurasiew wrote:

I have one late in July and 2 that are a year old.  Looking at Barclay and Cap One (pre-approved for QSO and Platinum).  I know I should garden but I'd like to consolidate sooner than later.  Any suggestions?  Scores below are current. 

Thanks!

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I'd try to goodwill the lates before apping for anything.

[boogiesaveslives]

I did and had 2 out 3 removed from July/Aug 2014. I guess I could try another time?

[Anonymous]

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@laurasiew wrote:
I did and had 2 out 3 removed from July/Aug 2014. I guess I could try another time?

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I would.

[boogiesaveslives]

I guess it can't hurt!

[SunriseEarth]

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@laurasiew wrote:

I have one late in July and 2 that are a year old.  Looking at Barclay and Cap One (pre-approved for QSO and Platinum).  I know I should garden but I'd like to consolidate sooner than later.  Any suggestions?  Scores below are current. 

Thanks!

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How late are your lates?  What else is affecting your scores?

[boogiesaveslives]

I have one 30 day from July 2014, two 30 day lates over a year ago.

AAoA 4.5 yrs
2 collections from 2009 in dispute
60% util (7 store cards, 1 prime with $1500 CL)

Looking for a new prime card to consolidate

app'd for Chase Freedom and denied after 4 recons. I think I didn't apply via the pre-app link even though I was pre-approved.

[boogiesaveslives]

APPROVED!

Got $1300 CL from Barclay Rewards.  Will recon in the morning but so happy they like me!

[Callandra]

I would definitely get your util down before applying to any more prime cards (under 10% would be ideal, but under 30% is probably okay). Is that July 2014 late the one that still remains? Definitely try to GW it off as a recent late is a bit scary for prime lenders; otherwise, you might just have to wait awhile. 

EDIT: Congrats on Barclay Rewards!