I would just leave this app alone. If they approve it, great if not. No harm done
But I’m not familiar with this card. If it has a high AF with little benefits I would just cancel the app. You said you wanted to move away from predatority cards.
In regards to BoA. They have a recon line. I would suggest calling them after you get the account stuff cleared up. Do not reapply, only recon.
At this point. The only FICO score you have posted is EX at 627. Your scores aren’t good enough to get most prime lender cards. You got two so count your blessings and work on proving to Amex and chase that you are a good customer. Those two banks alone can be extremely generous if you show that you can be a good responsible customer.
Grow those and work on your negatives.
Do not apply for any more credit. You seem to have a lot of tradelines but negative scores. Focus on why your scores are so low instead of trying to add new accounts.
At this point I’m just repeating myself so I’m done.
But I’m not familiar with this card. If it has a high AF with little benefits I would just cancel the app. You said you wanted to move away from predatority cards.
In regards to BoA. They have a recon line. I would suggest calling them after you get the account stuff cleared up. Do not reapply, only recon.
At this point. The only FICO score you have posted is EX at 627. Your scores aren’t good enough to get most prime lender cards. You got two so count your blessings and work on proving to Amex and chase that you are a good customer. Those two banks alone can be extremely generous if you show that you can be a good responsible customer.
Grow those and work on your negatives.
Do not apply for any more credit. You seem to have a lot of tradelines but negative scores. Focus on why your scores are so low instead of trying to add new accounts.
At this point I’m just repeating myself so I’m done.
There’s a rebuilding section of this fourm.
I would make one post in it instead of spread out like you have in this section.
Include all your negatives, dates, amounts, whom they are with. As much info as you can but still while protecting your identity so no account numbers etc.
People will give you advice. Try to follow it.
To get you started. I would order your annual credit reports of all 3 credit agencies. Review them and then post based off that info. This also gives you a chance to check for any inaccuracies on your reports and will help you to start attacking the baddies.
Look up Pay for deletion, start sending letters to any collections you can’t removed through disputed based on inaccuracies. So you should ideally start sending letters in 30-45 days. Dispute what you can, let the disputes come back and see where you stand.
I would make one post in it instead of spread out like you have in this section.
Include all your negatives, dates, amounts, whom they are with. As much info as you can but still while protecting your identity so no account numbers etc.
People will give you advice. Try to follow it.
To get you started. I would order your annual credit reports of all 3 credit agencies. Review them and then post based off that info. This also gives you a chance to check for any inaccuracies on your reports and will help you to start attacking the baddies.
Look up Pay for deletion, start sending letters to any collections you can’t removed through disputed based on inaccuracies. So you should ideally start sending letters in 30-45 days. Dispute what you can, let the disputes come back and see where you stand.