Discover app july advice/update approved!

[Kutuzov]

I have been a good boy and got my cs to around 700.

During the 08 crisis, I saw my hours cut, and by jan 09 I defaulted on all my cc. 5 total. I manage to have 3 collections from these co removed one is still there. I also settled with the only creditor that didn't sold the debt in 2012.

Right now my credit is sort of this:

Baddies:
1 collection from 2009
1 co 09, settled 2012
4 co from 09 with 0 balance and sold.

Good
Older accounts closed before 09.
3 accounts opened and closed between 2011 and 2013. No lates.
2 open cc, perfect history 1, a year old, the other 2 years old.
1 Amazon store card. 2 years old perfect history.
1 open personal loan from dec 2014, initial loan $6500, now is $300 left to be done with the loan. No lates.

3 inquiries from may 2014, 1 citi, 1.Discover, 1 cap1. They don't appear on all 3 cr. I ain't sure which ones is where.
1 inquiry from july 2014, paypal sync. Bank. Also I closed this account a few months later maybe September or October.

QS of cap1 5k CL, $2200 util.
Barclay 2.4 CL, $400 util.
Amazon 900 CL, 300 util.

Do I stand a chance?

[Anonymous]

I think you have a great chance! I was approved with a 645 ex and a 6+ year old unpaid judgement. Good luck!!

[Anonymous]

645 eq not ex

[Anonymous]

Yes. I was just approved for $7.5k with a score around 695. I have two COs & 6-7 accounts with lates on them. 

[Kutuzov]

All right so there's a chance. I'll app when my cc update with the new util. and CL since cap1 gave me some luv this month.

[Kutuzov]

My cc updated and creditkarma gave a score of 730. Also I received a pre approval letter from Discover. Applied with the invitation code, 7-10 days crap. Called the recon number, approved for $800!!!!

Might not be the healthy 5k CL I got with cap1, but is a start and everyone says this card grows with you so I'll stick with!