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I had applied for the BOFA prem Rewards and they actually denied me earlier this month for it. Because of the late pay once to lowes and the utlization of my credit. Though that card is newer and probably requires a higher score. Was suprised no counter offer was made and that they keep pulling credit vs using a report they have on file within 30 days.
Hope she sticks to them, that interest rate is probably going to cost thousands even if it takes just a year to pay them down.
I'd cut the AUs and get disconnected from them and hope they fall off quickly because your own scores are suffering for it.
If you can do that AND get your utilization in check personally in a statement cycle I bet your scores go up enough to get some nice starting limits and low APRs.
Regarding the Lowes late pay, write a letter to Synchrony requesting they remove the late record as a goodwill gesture since you're a good customer and it was just an oversight.
I have written to them as of now. Thanks for the great advice! hopefully it helps a lil
I do have a correction to make and I have mis-read something. My wife is not 660 its 691. my apologies. I have removed my AU from the higher card.
Thanks again for the advice Its difficult to get started unless you have a resource like this site to ask questions. I know im not that far off in getting where i want to be. Like i said i am getting alot of prequal from lenders i've been with or newer ones like Amexs PRG 50k for 1k spent. Al though CSP has not sent me anything.. But I am going to pull the MyFico report to understand completely where I am at.