Advice Needed for New Card App

[icetrap06]

So, I have been gardening for over a year to improve my FICO scores.

As of now my stats are as follows:

TU - 670

EQ - 654

EX - ???

CAP One - 500 CL

CAP One - 1000 CL

Salary - 80k

My current utilization is 26%.  My goal is to lower it less than 10% before applying anywhere.

I have tried multiple times for CLI from Cap One, however they refuse to budge.  The CSR explained that my card is not elligable for uprgrades or CLI.

Anyways, I really want to get my foot in the door with a prime lender (AMEX, Chase, Discover).  I have a pre-qualify notice from AMEX for the Delta Gold card, but this may be b/c I fly with Delta not so much b/c of my scores.

Any help/advice would be greatly appreciated.

Thanks!!

My question is, who do I have the best shot of getting my foot in the door with?  I would love a card that actually carries some rewards and benefits (ideally cash or hotel rewards as a I travel a lot for work).

[lylesvegas]

I got approved for Discover with a 649 fico.......

[icetrap06]

If you dont mind my asking, how was their credit limit?

[SnackTrader]

What baddies are on your reports?  Your scores may get you a number of cards, but the number, type, and age of baddies may hold you back from certain lenders. Maybe that information can help avoid unnecessary inquiries. 

[icetrap06]

I have one charge off from 2006 for $331 and one 120 late for a power company (have attempted to get this removed numerous times).  My AAoA is 7 years and I have had 0 INQ in the past year.

[creditnocash]

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@icetrap06 wrote:

I have one charge off from 2006 for $331 and one 120 late for a power company (have attempted to get this removed numerous times).  My AAoA is 7 years and I have had 0 INQ in the past year.

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they can still see inq's past a year they just dont effect score (and will fall off after 2 years) 

are those scores from here? 

if you pay off the balances too about 4% your score should see a nice bump. 

for me at least right now i have reporting 20% from the 4 i had last month and my score tanked about 35 points. (also went from 1 card reporting too 4- and 2 of them appear maxed out)

with 7 years of aaoa though id suggest a chase freedom after you pay down your cards. and possibly add too your secured card. (if they dont pull too add a deposit) 

from what i here they are good with recon once you talk to a live person. 

[icetrap06]

Great info!!...The scores are from here (last pulled at the beginning of December).

[lylesvegas]

2000 $ to start....

[icetrap06]

Thanks Vegas!

[lylesvegas]

No prob....Just go ahead an app now.......let me know how it goes....