Bad Marks with good scores? Eyeing CSR

[Anonymous]

Hi all! I have a question on the relevance of poor Mark's on reports vs the actual score. Is it as simply as a score is a score or do late payments, charge offs, collections ext.. still hold weight regardless. I have decent scores, but my profile is far from clean. It's been a small dream to land the Chase Sapphire Reserve but I'm hesitant to apply. Ideally I should wait until my reports are all cleared up, but Im going on a large trip next month and I could certainly benefit from its perks.

My scores read as such:

750 - TransUnion (3-30 day lates)

725 - Experian (3-30 day lates, 8 year old charge off, 2 medical collections) The charge off will be coming off with-in days/months.

788 - Equifax (3-30 day lates, 2 medical collections)

Cap One: CL 6,000 - Chase Freedom: CL 3,000 - Bank Card: CL 5,000 - Synchrony: CL 500

Oldest Credit Line: 13 years

Credit Utilization: 2%

Inquiries: 1

Income: 70k

Thank you for any input!

[Anonymous]

How recent are the derogatories?  If you don't get an auto-approval your application will go to a manual review where an underwriter will look over your credit report and those derogatories could be cause for a denial.

I suggest you read the last few pages of <mod edit> for a feel of what can occur.

Mod note:  Sorry, links to that site aren't permitted on myFICO.  --UB

[Anonymous]

Makes sense. Most recent late was 2016. Collections are from 2014.

Unfortunately the link did not work.

[Anonymous]

If you only have one inquiry on your report just apply.

[Anonymous]

I just applied! Got the 30 day review notice, called to check status a d recieved the same message. Ugh! We'll see... nervous that the derogatories, especially on Experian will be my downfall. My Equifax is much stronger. I suppose I just wait and see. Was hoping for a instant approval or denial so I could combine pulls and apply for a preferred if denied.