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FICO 09 EQ - 706 - 114k salary
Already denied for the Platinum Rewards Visa Signature
Open Accounts
Open Sky - 200 CL
Green Dot - 200 CL (OPENED 10/18)
Discover - 200 CL (OPENED 10/18)
Capital One - 200 CL (OPENED 10/18)
NFCU - 250 SSL (PAID DOWN 7.99%) duration 6 months (10/18)
0% utilization on CC's
Closed Accounts
Fifth Third Bank - 75 months / Derog 18 lates (almost 4 years since my last late)
Wells Fargo Dealer Services - 72 months (squeaky clean)
1 Collection - on Transunion currently in dispute. Had it removed from other 2.
Oldest Acct - 12 years; AAOA - 5.6 years
I app'd for
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PenFed Gold Visa
PenFed Pathfinder Rewards American Express
All are under review! LOL - What are my odds?
I can't answer your question but I'm trying to compile some data points for myself. Do you know your FICO scores for the all three bureaus? I'm curious what impact the collection is having. Also, what is the breakdown of lates (30 vs 60 vs 90 vs 120 day)
Thanks,
~B
I can't answer your question but I'm trying to compile some data points for myself. Do you know your FICO scores for the all three bureaus? I'm curious what impact the collection is having. Also, what is the breakdown of lates (30 vs 60 vs 90 vs 120 day)
Thanks,
~B
Sure -
EX - 648
EQ - 662
TU - 611
30 DAYS - 13
60 DAYS - 5