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Preparing for an TU app spree. Need Advice

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Imperfectfuture
Super Contributor

Re: Preparing for an TU app spree. Need Advice


@CreditGuy03 wrote:

@Imperfectfuture wrote:
If the charge off is paid, do you want a future relationship with this creditor? Have you tried good willing for removal? Check out the rebuilding forum on how to get that baddie removed. Your scores will be stellar if it is removed. Otherwise, plan on gardening at least 4 years. That could be time well spent getting rid of that bugger.

Why are the other reports frozen? Do you have other baddies?

Whoa this sounds like a copy paste

 

This thread is not about the chargeoff. That has nothing to do with whom I am applying for. 


Copy paste? I don't think so.

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Message 11 of 15
Anonymous
Not applicable

Re: Preparing for an TU app spree. Need Advice

But it does. And any creditor you apply with will absolutely agree the C/O is relevant.
Message 12 of 15
TRC_WA
Senior Contributor

Re: Preparing for an TU app spree. Need Advice


@Anonymous wrote:
But it does. And any creditor you apply with will absolutely agree the C/O is relevant.

@CreditGuy03 wrote:

Zero collections just a chargeoff from 13 months ago.

 

 

I would like another Barclays card ..Sallie Mae to be exact

 


 

I dunno... they might say it's just a chargeoff.

 

Let us know how the Sallie Mae works out OP...

FICO8 current as of : 4-6-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 13 of 15
FinStar
Moderator Emeritus

Re: Preparing for an TU app spree. Need Advice


@Anonymous wrote:
But it does. And any creditor you apply with will absolutely agree the C/O is relevant.

This ^^^^ ... definitely.

Message 14 of 15
Anonymous
Not applicable

Re: Preparing for an TU app spree. Need Advice

Barclays gave me crap about my 6+ year old C/Os on Recon. Not once, not twice, but three times.
Message 15 of 15
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