Venture/venture1

[Anonymous]

So I'm thinking about apping for a venture or venture one. My scores are 642/647/652. I have no recent bads but I do have 3 past judgements 2 paid 1 being paid and 1 paid collection showing. I currently have cap1 secured 800, qs1 3000, NFL 1500, chase 3000,and a couple store cards. All but the 2 cap one cards were opened this year. The cap one cards were opened a year and a half ago. AAoA is 2 years. I do have quite a few inqs from last year car shopping and this year's apping. I checked the prequal site and notta which isn't a surprise with the judgements. Anyone Hazzard a guess to what my odds are? Ty in advance .

[Anonymous]

GL

[Skye12329]

Anything is possible but it might be a long shot.

[Anonymous]

Based on the information you've given us, if I were to hazard a guess (and unfortunately, all we can give you are guesses), I would say your odds are between 10-15%. More than 0, but relatively unlikely and likely not worth risking three hard pulls for. 

[taxi818]

Kinda agree but you know the saying. nothing Ventured. Nothing gained. ive seen a couple 650 scores get in. so you might too.

[Anonymous]

Never say never!

[Anonymous]

Capital One have been generous lately...but 3 hard pulls...OUCH

[Anonymous]

Thanks for all the replies guys. I think I'll hold off for now. I have 2 of the 3 bads that will be left falling off at the end of the year and I'm hoping the GW letters I sent out will work.

[dobirdsmommy]

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@Anonymous wrote:
So I'm thinking about apping for a venture or venture one. My scores are 642/647/652. I have no recent bads but I do have 3 past judgements 2 paid 1 being paid and 1 paid collection showing. I currently have cap1 secured 800, qs1 3000, NFL 1500, chase 3000,and a couple store cards. All but the 2 cap one cards were opened this year. The cap one cards were opened a year and a half ago. AAoA is 2 years. I do have quite a few inqs from last year car shopping and this year's apping. I checked the prequal site and notta which isn't a surprise with the judgements. Anyone Hazzard a guess to what my odds are? Ty in advance .

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YMMV but I did get a Venture with a fed tax lien.  Pretty sure its bigger than your judgements but I was also prequalified on their site for it.

[Anonymous]

My scores were a tad bit higher than yours, and one judment still showing on one report, but deleted on the others.  Also had a paid lien from eons ago that is about to fall off.  The big thing for me is that I was prequal.  I kept checking weekly....a ton!  Finally it showed up.  I only had QS1 for one month in which I charged up a lot and made multiple payments to stay below.  When statement cut I made sure it was at zero.