Advice please....regarding CC app....

[nothingman02]

I have the following on my TU.

1 baddie - A paid Chase CC with 0 balance listing by the OC.

-------------------------------------------

1 Spiegel CC 2 months old with 0 Bal

2 200CL rebuilders with 0 Bal

1 BOA AU 16000CL with 2500 Bal

-------------------------------------------

I Paid and closed CITI with 0 balance.A positive a/c and oldest a/c at 4+ years.

UTL is around 15% and AAoA is around 1.2 year.

TU FICO - 676

------------------------------------------------------------------------------------------

Any advice on what I could apply for? Any chance for a decent non-rebuilder CCs with decent CLs who pull TU?

I am in AL. 

Thanks for your help.

[Creditaddict]

Juniper

National City 

Message Edited by Creditaddict on 05-30-2009 03:55 PM

[nothingman02]

National City??

I still have an inquiry from Juniper from 2 months back when I was declined. Is that ok? I had Hooters inq too at around the same time but the inquiry bumped today. 

[Creditaddict]

National City seems to be easier and you can recon if they decline you and walk through report with them, they seem to way heavier on accounts and such vs an actual score and they don't like inq so you should be good at 2.

wow juniper declined you with this score or lower? did you recon? 

[nothingman02]

Thanks for the info.

Nope! I had my major baddie fall off today! Cant figure out why! Doe baddies get bumped as well with TU?

Anyway, when I apped for juniper I had this baddies from Asset Acceptance as well and FICO was 611. I recon'd and it looked like I was going somewhere...but in the end I was declined stating that I had to build some more...

I do still have one and the last baddie on my TU. Its a Chase CC COed in December. Reporting as a paid CO with a 0 balance and the a/c transfered or sold. Asset was collecting on this one. It has a million 120 lates however...

Still have a chance with National City? Is it a Top Prime lender? Anybody else? I am fixing ot research whogavemecredit and the forums here now on National City and TU pullers. But thought I could also receive some advice from others whove been there...seen that...done that....

Thanks for the help.

[Creditaddict]

if your going to apply for both, do National City first, then Juniper.

I would think you would be for sure with Juni and 75% with National City.

I had under 600 with National City and it sounded like if I had not had 15 inq she would have approved me. I did have a secured card with them so she could see payment history but still a very awful report and bk. 

[nothingman02]

Thanks for the help....I will follow that sequence. Just wondering...How about hooters MC? Any other TU pullers? Ive read wachovia and discover but Wachovia unfortunately pulls EQ here...And the way I remember, they actually pulled EQ adn TU both for me in the past once and also in November last year. Iknow discover is a no-go. ANybody else?  Also juniper seems to have a multitude of cards. Which one do you think I have the best shot with? Ive read that carnival seamiles card is the easiest.

Message Edited by nothingman02 on 05-30-2009 04:22 PM

[Creditaddict]

us airways and apple i hear are easy but apple seems to give very low CL

and i wouldn't bother with hooters anymore from some of the recent post i have seen 

[nothingman02]

Cool...Thanks for the help creditaddict...I will do soem research and app and post back here....hope I get something...

[nothingman02]

Ok. havng some trouble here. I am rebuilding my credit and never really researched or seriously contemplated CCs and Apps....so no real ideas here...I am doing some search and it seems carnival sea miles is the easiest Juniper card? There are lotsa cards by juniper and im like clueless right now..

Also cant find any good information about National City. Is there a link? I read one post where it states that the bank is cleveland based but is doing pretty bad. What is their easiest card if they have more than one. National CITY is nowPNC...do my chances of approval change now?

How about Target VISA? fat chance?

Message Edited by nothingman02 on 05-30-2009 04:56 PM