Finally joined Amex-Approved for Blue Skymiles

[pgtackle2003]

I have been working on my credit for quite some time now. Started with Fico8 of 560 in January to a Fico8 of 655 today. Today I was pre-qualified and then approved for the Blue Delta Skymiles card (this was the only card given on the pre-qualification page). My current Credit report is as follows:

Baddies
2 CO's from 2014, both paid

1 closed/transferred studen loan also from 2014 that shows 120 day lates (0$ balance)

1- paid car loan that had 10-30 day lates, most recent being 18 months old

Good accounts

1 car loan, 3 months old never late

Discover IT- 750$ CL- 89$ balance-never late-Open 11 months

Capital One Quicksilver-500$ CL- 0$ balance-never late-Open 9 months

Capital One Spark (I was unaware this reported to personal credit until after applying)-2k CL-Never late-2 months old

Student Loan (rehabbed)-Never late-10 years old

I only got a 1k SL but as you can see from above this is my highest personal CL so far. I have read a lot about the 3x increase at 61 days so I will wait for that.

[xaximus]

Congrats on your approval! I would see if you can send goodwill letters for the 2 CO's to see if they can be removed. That would definitely give you a bit of a boost in your scores.

[Anonymous]

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@xaximus wrote:
Congrats on your approval! I would see if you can send goodwill letters for the 2 CO's to see if they can be removed. That would definitely give you a bit of a boost in your scores.

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Yes, this ^^^^. Plus also the paid up car loan lates. If you could get those removed ... you'd probably be sitting mid 700s. It's worth a letter writing campaign.

And Congrats! pgt on getting in with Amex. Just know that 61 x 3 is not a given -- I can personally attest. 

[pgtackle2003]

Thanks. I did send both CO (Merrick Bank and First Premier Bank) Goodwill letters. I received both responses last week which was "Sorry these accounts are reporting accurately". From reading on here it appears these 2 are usually pretty hard to get removed. So I'll keep sending them letters each month. As far as the paid late car payments, I have also sent them a GW (Capital One). I spoke with them yesterday and they are going to look into it. He stated they don't normally do it but would try anyway.  

[Anonymous]

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@pgtackle2003 wrote:

... From reading on here it appears these 2 are usually pretty hard to get removed. So I'll keep sending them letters each week ...

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FTFY

[pgtackle2003]

Hah thanks James. I guess the idea is they get sick of hearing from you and just remove it?

[Anonymous]

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@pgtackle2003 wrote:

Hah thanks James. I guess the idea is they get sick of hearing from you and just remove it?

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The idea is your letter lands on different desks which greatly improves your chance for success. 

[pgtackle2003]

That certainly makes sense. Thanks for the tip, I will start doing this until successfull.

[xaximus]

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@Anonymous wrote:

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@pgtackle2003 wrote:

... From reading on here it appears these 2 are usually pretty hard to get removed. So I'll keep sending them letters each week ...

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FTFY

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@Anonymous wrote:

@pgtackle2003 wrote:

Hah thanks James. I guess the idea is they get sick of hearing from you and just remove it?

The idea is your letter lands on different desks which greatly improves your chance for success. 

+1. Best way to blast as many people as possible and hopefully get a bite. As lates get older, their impact decreases over time. I believe a 30+ day late impacts for about 2ish years. 60+/90+/120+ impact for much longer. The 30 day lates, if even a few can get removed, that would definitely give you a bump. But since it's 18 months old, their impacts are relatively minimal now. Once you reach 24 months, you should see an easy 10-20 point bump with the aging. I would definitely try and see about that 120+ day late as that is definitely going to impact you for the full 7 years.

[pgtackle2003]

Hello thanks for the update. I have also tried for GW on the 120+ day late Student loan. However, since this is a government loan they tell me they cannot legally remove these. The last 120 late on this loan is from Feb of 2015.