After became a membership with Navy little over a month ago , I patiently wait for my utilization below 30% and some collection delete , today I try my luck and go for it , instant approved for 5600 sl and 11.24 Apr , woot woot ... and here my data for who need it to make decisions:
overall utilization 21 %
1 account balance over 50%
few paid charge off account
no collection
few late payment 18 month ago with Discover
transunion fico 8 : 654
I also try pre qualify with Amex , and it offer me amex everyday , I pull the trigger but received 14day message , I'll call Amex tomorrow to find out , my experian fico 660 at this time ...
Without you guys , I will never go this far in my credit profile , thank you so much ... my plan keep all my mortgage score above 640 to buy a house by end of this year ...
Updated : after app for Amex and received 14 days message , I call them but the department close on Sunday , just received an email from Amex congrats for approved 500 sl ... lolz but I'm happy they give me second chance after 1 burn them 10 years ago ...