wow, ok it took me a bit to read thru all this, and try to soak it in, First, Im sorry you had such a terrible ordeal! I can't even imagine!
secondly, this would be my honest opinion about your situation.
I would first and foremost escalate those late payments to get them removed. Send a heartfelt goodwill letter to the EO/CEO whoever it is to your CU!
If you're still showing late on your student loans, they can only show for 7 yrs, if they are showing past that...contact all three of the CRA, and file a dispute as "past time" or whatever it is on there.
next....I know you're anxious to get another CC, but if you can wait for another month or two to allow your scores to gain a few extra points, and recover a tad from the loans just being put on the reports, and get that overall utilization down to 10% if possible, but if you can't then 20-30% max!!
That will help your scores too, AND only let one card report a balance each month, you'll gain points doing just that alone!
next...CCs.......
once you've got the util down a little more, and let one card report a balance, and you've seen some increases on your scores, I would say to app for Nordstroms in store for their store card first.
If denied...message me and Ill give you the contact name and number at the EO, who will escalate it to get it approved. If you have fraud alerts and freezes on your reports, you'll have to unfreeze them, and expect a denial but you'll have to call in for verification for the fraud alert.
I would also check Cap1 prequel again at this point after the said above with scores etc, and see if anything pops up.
I would not apply for Dillards...its backed by WF, at this point. I would though app for TJX in store. Same thing if denied, its probably for verification due to your reports.
You might get $250 starting out, but 1-2 months later you'll have that increased to $2k via chat, and we will talk about that later on if approved.
Barneys is awesome!! I would app for this card in a month or two they pull EX exclusively.. If denied, and you get the 7-10 day message, don't worry...They are BIG on verification!! Yowl get a verification letter in the mail with a # to call, and they will ask you for the verification # on the letter. You'll be approved for SL of $750-$1k, but within a month.....itll be $10k!!!!!! Ill tell you the trick on that once your approved!!!
OK, theres my input for whats its worth!
secondly, this would be my honest opinion about your situation.
I would first and foremost escalate those late payments to get them removed. Send a heartfelt goodwill letter to the EO/CEO whoever it is to your CU!
If you're still showing late on your student loans, they can only show for 7 yrs, if they are showing past that...contact all three of the CRA, and file a dispute as "past time" or whatever it is on there.
next....I know you're anxious to get another CC, but if you can wait for another month or two to allow your scores to gain a few extra points, and recover a tad from the loans just being put on the reports, and get that overall utilization down to 10% if possible, but if you can't then 20-30% max!!
That will help your scores too, AND only let one card report a balance each month, you'll gain points doing just that alone!
next...CCs.......
once you've got the util down a little more, and let one card report a balance, and you've seen some increases on your scores, I would say to app for Nordstroms in store for their store card first.
If denied...message me and Ill give you the contact name and number at the EO, who will escalate it to get it approved. If you have fraud alerts and freezes on your reports, you'll have to unfreeze them, and expect a denial but you'll have to call in for verification for the fraud alert.
I would also check Cap1 prequel again at this point after the said above with scores etc, and see if anything pops up.
I would not apply for Dillards...its backed by WF, at this point. I would though app for TJX in store. Same thing if denied, its probably for verification due to your reports.
You might get $250 starting out, but 1-2 months later you'll have that increased to $2k via chat, and we will talk about that later on if approved.
Barneys is awesome!! I would app for this card in a month or two they pull EX exclusively.. If denied, and you get the 7-10 day message, don't worry...They are BIG on verification!! Yowl get a verification letter in the mail with a # to call, and they will ask you for the verification # on the letter. You'll be approved for SL of $750-$1k, but within a month.....itll be $10k!!!!!! Ill tell you the trick on that once your approved!!!
OK, theres my input for whats its worth!