Chase Saphire Preferred approval even after charge off

[cashorcharge]

Congratulations!  The CSP is a great starter with Chase!  

[KLEXH25]

Congratulations on all your successes!

[Anonymous]

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@Heatt99 wrote:

Congratulations on your approval. Great job to persevere through tough times and stay focus on what you want to achieve. 

With Navy and Chase in your corner, I'm sure Amex with come knocking on your door in 3 to 6 months if not now.

Are those your current scores when you applied?

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Thanks! I would love to get the Delta Gold Amex if I can. Those are my current scores, yes.

[Jordan23ww]

Congratulations on the Sapphire approval and all the progress you're making!  Sorry to hear about your mom also!  Wishing for you to continue to reach your credit goals! 

[sjt]

Congrats!

Can you share some DP like your current credit profile (any baddies, utilization, age of accounts, etc.)

[TSlop]

Congrats! Thank you for sharing your story. It's humbling to see the other side of credit management since my parents manage their credit well.

[Anonymous]

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@sjt wrote:

Congrats!

Can you share some DP like your current credit profile (any baddies, utilization, age of accounts, etc.)

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Sure thing. I'll post the data points from my most recent credit report, not including a recent CLI that hasn't reported yet.

They pulled Experian (by far my worst profile)

Score: 643

Total number of open (non-derogatory) accounts: 23

Late Payments: 2, 90-day lates from 01/2018 on two student loan accounts

Collections: 8, all medical, all unpaid. 6 will drop off by the end of next year, 2 are from 2017 and will be on till 2024

Total credit limit: $15,500 ($1,900 from an AU card)

Utilization: less than 1%

2 new Cards in the last year

4 inquiries

AAOA: 88 months (7 years, 4 months)

Oldest account 15+ years (a student loan).

All my student loans are in deferment, but total owed is 83,000

Total Income is $75,000 ($37,000 is untaxable)

I rent and my share comes to $350

[randomguy1]

Congrats on the approval. Sometimes you gotta learn life's lessons on your own. My belated condolences on the passing of your mother.

Try to build a 6 month emergency fund and live within your means. Suggest using auto pay with the minimum if you haven't already. 

[slickwidit]

Congrats on the Approval! and good luck with your build going forward. Great recovery by the way

[Mr_Mojo_Risin]

Great story of perseverance! You've done a fantastic job getting straighten out. 

Big time congratulations to you!!