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Hey all! I am so excited. I was finally able to get my last two collections removed from my reports after a years-long journey, and they are finally totally clear! Here is my current situation:
TransUnion & Equifax
FICO 8: 777 (TU), 764 (EQ)
CapOne secured $155/$500 (31%)
Chase Sapphire (AU) $840/$4200 (20%)
No baddies
1 inq (EQ)
AAoA: 4.9 years
Experian
FICO 8: 765
CapOne secured $155/$500 (31%)
No baddies, no inqs
AAoA: 2.6 years
As you can see, EX does not report my AU card so it brings my AAoA down and my overall util up. I am receiving zero pre qual offers. Could that be because of the 31% util on my CapOne? Or just because I have a thin file? Is it worth apping for anything right now, or should I pay off that CapOne and wait for it to report a 0 balance? Also, who likes thin files? Thanks in advance!
My bet is that it's more about your thin file than anything else.
Where have you checked for prequals?
Discover usually likes thin files if you haven't checked there already.
Also, were your collections credit card related by any chance?
Some banks will keep internal info regardless of it falling off your credit history.
Good luck with your rebuild!