I'd do this order: Chase Freedom. AMex ED, Venture, QS.
Reasons: if you want a 5% rotating cat card and "in" with Chase, and won't break the 5/24 rule. Don't app for the AmeX ED or only 1 Cap1 and you could get the CSP in 6 months which allows the Freedom's rewards to be rolled into UR points with the CSP at 1:1. Major earning potential.
AmEX ED second. EX hP in general. Sometimes INQ sensitive. I can't get it with a 670 bc of 2014 Auto Late Pay and 2014 Paid Collection. Srsly. They deny me. Whatev's. I'm biased. 
Good card if you want to use MR system for points.
Venture. 2x/$1 Use Plastiq to pay Rent to make $3000/90day bonus requirement.
App back to back Venture then QS. Venture One does have the 0% APR promo and $1000/90days BUT it's only 1.2x/$1 earnings (right?). Meh IMO. However, in 6 months Cap1 should allow account combine and you could roll your QS or Venture into 1 Account with a large CL. Sexy.
-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Thank you everyone for your wonderful information! It is a huge help and I'm going to re-read and re-read and.. you get the point. 
buyaobuyao, as highlighted above you wrote that they declinded you because of the collection and a late payment on your auto loan? Bah that sucks I'm sorry to hear that. You mentioning that makes me a little concerned on the auto loan I have in my reports.
Which leads me to another question...
I have a paid off auto loan from Acura Financial. It was opened 02/09/2007. It was paid and closed 04/30/2013. On TU I have 10 30-day lates with the latest showing 03/2013. On my actual report the "Pay Status" is showing Account 60 Days Past Due Date. "Date Closed:" 04/30/2013 >Maximum Delinquency of 60 days in 04/2013<. Showing no 60 days.
EQ is showing 8. Closed 04/30/2013. "Current Status:" Pays 61-90 Days. Showing one 60 Day 04/2013.
EX is showing 12. Closed 05/2013. "Status:" Paid, Closed. Showing one 60 Day on 05/2013.
Now I know some of the 30 days did occur but they aren't matching up across the 3 CRA's... and I am confident there were no 60 day lates. Problem is I can't access any of the old financial information. Reason being my laptop was stolen (our home was broken into) and of course, I had my information on there. All my accounts were closed, changed, etc. etc.
First of all, do we know how much this is affecting my score / will affect my apps?
And can any of you suggest if I should try getting these all fixed / will it make much of a difference? Since my father was joint with me I can get him to see what data he has and get his CRA's pulled so we can compare.
But I'd rather have my ducks in a row before submitting any disputes and of course, I don't want to app if these lates may cause a substantial problem. 
I didn't think to mention these before since they are past the 2 year mark (though I know they can still affect my score, how much I don't know however) so I apologize in advance.
I am planning on joining MyFico with the 29.95 sub and getting my scores/reports across the board. I believe TU has just updated my information as of this morning so I really want to check out my scores again. I got my free reports on the 1st but it doesn't hurt to have new ones. Just to note both the Freedom and Amex ED offers are through mail, weirdly enough they aren't showing me any offers on their pre-qual sites.
Thanks again all!!
-------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------
Thank you everyone for your wonderful information! It is a huge help and I'm going to re-read and re-read and.. you get the point.
buyaobuyao, as highlighted above you wrote that they declinded you because of the collection and a late payment on your auto loan? Bah that sucks I'm sorry to hear that. You mentioning that makes me a little concerned on the auto loan I have in my reports.
Which leads me to another question...
I have a paid off auto loan from Acura Financial. It was opened 02/09/2007. It was paid and closed 04/30/2013. On TU I have 10 30-day lates with the latest showing 03/2013. On my actual report the "Pay Status" is showing Account 60 Days Past Due Date. "Date Closed:" 04/30/2013 >Maximum Delinquency of 60 days in 04/2013<. Showing no 60 days.
EQ is showing 8. Closed 04/30/2013. "Current Status:" Pays 61-90 Days. Showing one 60 Day 04/2013.
EX is showing 12. Closed 05/2013. "Status:" Paid, Closed. Showing one 60 Day on 05/2013.
Now I know some of the 30 days did occur but they aren't matching up across the 3 CRA's... and I am confident there were no 60 day lates. Problem is I can't access any of the old financial information. Reason being my laptop was stolen (our home was broken into) and of course, I had my information on there. All my accounts were closed, changed, etc. etc.
First of all, do we know how much this is affecting my score / will affect my apps?
And can any of you suggest if I should try getting these all fixed / will it make much of a difference? Since my father was joint with me I can get him to see what data he has and get his CRA's pulled so we can compare.
But I'd rather have my ducks in a row before submitting any disputes and of course, I don't want to app if these lates may cause a substantial problem.
I am planning on joining MyFico with the 29.95 sub and getting my scores/reports across the board. I believe TU has just updated my information as of this morning so I really want to check out my scores again. I got my free reports on the 1st but it doesn't hurt to have new ones.
Thanks again all!!
Rebuilding Forum is a Godsend. Ok...mine is a June 2014, 30 day late, and July 2014, 60 day late. Loan is still open, so I'm like a Collection Agency prior to the CFPB standards, I goodwill email, snail mail, fax, you name it, I send it until they cave OR my loan is completely paid. No mercy. That's just me though.
30 days aren't that detrimental. 60, 90, 120 suck bad for 7 years. After 2, yes, they hurt less, but some, for data points, have shown that 60+ suck all the way to the end of the 7 year sentence. I have a paid in full collection from October 2014 as well. That Son of A (censored) is probably the biggest red flag for AmEx. BoA, Chase and Cap1 didn't care. I think because it's paid in full, they let it slide and that my Auto payments prior are pristine, and I have no lates since.
YMMV, and my "boo boo" is pretty freakin recent being in 2014. Your chances at AmEx may be greater than mine. IMO, if there are discrepancies on the report in variations of reporting, I would hit up the Rebuilding Forum and tackle those suckers. With the loan ending and the 60 day listed as 2013, it should turn positive in 2020. I'm probably giving bad advice, so please, Rebuilding forum, but I would Verify with the CRA's in regards to those lates if they're different.
All in all, I'd hit up the Freedom and the Venture if I were you as a definate, but remember, I drink AmEx haterade since I can't get in the club. 
Thank you everyone for your wonderful information! It is a huge help and I'm going to re-read and re-read and.. you get the point.
buyaobuyao, as highlighted above you wrote that they declinded you because of the collection and a late payment on your auto loan? Bah that sucks I'm sorry to hear that. You mentioning that makes me a little concerned on the auto loan I have in my reports.
Which leads me to another question...
I have a paid off auto loan from Acura Financial. It was opened 02/09/2007. It was paid and closed 04/30/2013. On TU I have 10 30-day lates with the latest showing 03/2013. On my actual report the "Pay Status" is showing Account 60 Days Past Due Date. "Date Closed:" 04/30/2013 >Maximum Delinquency of 60 days in 04/2013<. Showing no 60 days.
EQ is showing 8. Closed 04/30/2013. "Current Status:" Pays 61-90 Days. Showing one 60 Day 04/2013.
EX is showing 12. Closed 05/2013. "Status:" Paid, Closed. Showing one 60 Day on 05/2013.
Now I know some of the 30 days did occur but they aren't matching up across the 3 CRA's... and I am confident there were no 60 day lates. Problem is I can't access any of the old financial information. Reason being my laptop was stolen (our home was broken into) and of course, I had my information on there. All my accounts were closed, changed, etc. etc.
First of all, do we know how much this is affecting my score / will affect my apps?
And can any of you suggest if I should try getting these all fixed / will it make much of a difference? Since my father was joint with me I can get him to see what data he has and get his CRA's pulled so we can compare.
But I'd rather have my ducks in a row before submitting any disputes and of course, I don't want to app if these lates may cause a substantial problem. I didn't think to mention these before since they are past the 2 year mark (though I know they can still affect my score, how much I don't know however) so I apologize in advance.
I am planning on joining MyFico with the 29.95 sub and getting my scores/reports across the board. I believe TU has just updated my information as of this morning so I really want to check out my scores again. I got my free reports on the 1st but it doesn't hurt to have new ones. Just to note both the Freedom and Amex ED offers are through mail, weirdly enough they aren't showing me any offers on their pre-qual sites.
Thanks again all!!
Rebuilding Forum is a Godsend. Ok...mine is a June 2014, 30 day late, and July 2014, 60 day late. Loan is still open, so I'm like a Collection Agency prior to the CFPB standards, I goodwill email, snail mail, fax, you name it, I send it until they cave OR my loan is completely paid. No mercy. That's just me though.
30 days aren't that detrimental. 60, 90, 120 suck bad for 7 years. After 2, yes, they hurt less, but some, for data points, have shown that 60+ suck all the way to the end of the 7 year sentence. I have a paid in full collection from October 2014 as well. That Son of A (censored) is probably the biggest red flag for AmEx. BoA, Chase and Cap1 didn't care. I think because it's paid in full, they let it slide and that my Auto payments prior are pristine, and I have no lates since.
YMMV, and my "boo boo" is pretty freakin recent being in 2014. Your chances at AmEx may be greater than mine. IMO, if there are discrepancies on the report in variations of reporting, I would hit up the Rebuilding Forum and tackle those suckers. With the loan ending and the 60 day listed as 2013, it should turn positive in 2020. I'm probably giving bad advice, so please, Rebuilding forum, but I would Verify with the CRA's in regards to those lates if they're different.
All in all, I'd hit up the Freedom and the Venture if I were you as a definate, but remember, I drink AmEx haterade since I can't get in the club.
I totally agree, the Rebuilding Forum is just awesome. I've been reading there for a while (and made a post too!) and the help has been wonderful. My original post was a little long methinks with perhaps tooooo much information, so splitting it up has been necessary. I'm definitely going to be posting about this issue with my paid/closed car loan to see what I may be able to do.
Thanks soooo much though, you and everyone else have been very helpful and I appreciate all the advice. I'm sorry to hear Amex didn't approve you, seems kinda silly but with everything I've been reading it can be so YMMV.
I went and signed up for the MyFico 3B service, and low and behold I've been charged but can't access the account. It says something like my SSN already exists but I know it's my only account so I'll just have to call them up and find out what the deal is. Unfortunately I'll need to wait till tomorrow since they were already closed when I got the error. (By 20 minutes, bah!) I'm a little frustrated to say the least, it's not that big of a deal but I reaaaallly wanted to see my updated scores from TU and reports to make sure I'm gtg for these apps. I really want the best chance I can get!
I do intend to go for the Freedom first, then the Amex ED, > Venture but I'm not sure if I want to go for the Quicksilver because of the CSP. I don't have any mail or pre-qual offers from Chase though (other than the Freedom and Slate mail offers) so wondering if I should wait for that one extra app because of the 05/24 rule.. However, makes me wonder if it would be better to start now and work towards the CSP rather than app now and (possibly) lose out, or app months down the road. But now I have to wait till at least tomorrow! Patience... patience... ;D
@Jerry45 wrote:
@Anonymous wrote:I believe, from what I have learned, it's a solid offer because it lists a concrete APR instead of a range.
+1. Spot on.
I am really excited about my pre-qual offers and everything. Unfortunately nothing but problems with ordering the 3B MyFico montly service, so I can't get all my updated scores.
Okie dokie so I can't get my TU score and I'm not going to try and push another order through at this time. I don't want to get charged again. I know TU has updated my CR because on creditsesame it's showing the new information.. on CCT it was pulled *prior* to updating, so I'm guessing it's near my other scores?
Anyhow as stated before I'm going to go for the Freedom, Amex ED, then the CAP1 Venture and QS. I am finally seeing my pre-qual offers on Chase, though it's for the Freedom and Slate. Funny enough the APR for the Freedom is higher than my mail offer, so I'll be using the mail offer obviously. 
CSP is more than likely out of my range atm.. is it really worth it to skip let's say the QS and wait to apply for the CSP? I don't do a lot of traveling atm, and if I do travel it may be few and far in between for at least a few months. My gut is telling me to app though for both Cap1's and get more history going.
Now to see if I can just get the 1 HP on Cap1, do I open 2 browser pages, fill them out.. then hit send on the Venture.. wait for my response.. then immediately send the QS one afterwards? How do you all normally do this? Annnd, do I need to sign into my Cap1 account so if I am approved it'll add the cards or should I not worry about that? As you can see I'm new to this.
Hopefully these apps will work out! That will be 3-4 new cards depending if I go for both Cap1's. After this should I just stop there and garden?
Thanks so much again everyone!
Bump!
Anyone?
Anyone?
