@tbea1004 wrote:
I have read where someone had 650 t0 660 scores with 4 paid collections got approved and i am in that area. My scores are 650s across the board and I have 1 collection reporting on EX, TU and 2 reporting on EQ. I have 12% Util. I have a BCE 15K limit and a (AU with a 10K limit). I would like to get the collections removed but Portfolio Recovery Assc are giving me a hard time and I want this card because I will be doing some traveling soon. Income 124K a year, 3/24, 2EX inquries, and 1EQ inquiry in the last year. I opted out in the past and opted back in about a month or so ago. No prequals show up. I guess my question is do I stand a chance and if I was denied how long would I have to wait to reapply?
My question is that, with your $124k income, how come you have collections pending? You like to over-spending?
Read this forum further. I've seen some threads of members here getting troubles and ran into credit troubles. Some are trying very hard to avoid any blemishes. But it appears this is not your case.
I'd recommend, throw away this expensive credit card. Pay off your collections. Repair your credit. You do not want to get deeper in the hole......
Good luck.
