Hello, all. I've been on the rebuilding road for awhile, and in the next 30 days (waiting for some CRA updates) I plan to app with USAA. I've searched endlessly for approval odds likelihood, and all I can find is "credit score is only one piece of the pie, we use a 360° view". That would be great if there was a further explanation, but they leave that as their final word. Sooo...I've come here for input from the CC pros. I'll outline below:
-After CRA updates, I'll be sitting at 650 EX at best (I think).
-I just switched back to USAA banking, but the first direct deposit has NOT hit yet (takes a month or so for Veteran's Administration to get that done). Total monthly direct deposit is 5k range.
-USAA member 18 years, but no real dealings with them in 14 years.
-Charged off CC (CL 10k) with them in 2006, but had PIF 8-10 years ago.
My apologies for the babbling, I just didn't want to leave out a detail that may be key. Any ideas to raise this 360° view? Wait for all direct deposits to start hitting USAA checking? Throw one of their insurance policies on the old farm truck? Send them a selfie hugging some kittens? Help a guy figure out this 360° view deal.
Thank you so much!
