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Well, we're talking about Barclays UW so .
My suggestion is to get that utilization % down (what is it currently?), then check to see if any FICO score improvements occur. What's the source of those scores btw? How far are you in the dispute process? Will those items be resolved anytime soon? Barclays is primarily a TU puller (and can soft EX as well).
@comebackkid15 wrote:
I needed a good hotel chain card because of travel and the odd trip out of country, so where I stay is more important than airline miles...IF I had to choose, I'd rather wait until I get around 650 and app for the Amex Hilton base card; heck I'd go for a higher tier Hilton card with a AF, if it got me in good with Amex!
That sounds like a better plan than wasting a HP on Barclays quirkiness.
If we are talking about the same card I am thinking of then I would get everything in the positive. Disputing it does not remove it from the credit file.