American express possible?

[aot2009]

I've got 1 dismissed BK on EQ

No BK's on TU or EX

1 $190 charge off from Verizon on all three

Many student loans that are late from 2005/2006

Many really good positive credit lines I think 26 or so...including paid car loans credit cards, house etc..

Thoughts?

[pizzadude]

How many open credit cards do you have now, what is their reported utilizaiton, and how long have they been open ?

[Juan123]

whats your current credit score? do you know your ex score? whats your util and inq's in past 6 months? and whats your AAoA like?

[aot2009]

7-8% util

Don't know my EX score probably 690+ since it's similar to what it was before

AAoA is 5 years I think...

Don't make me go buy another fico subscription

[Juan123]

any new cards?

what are you trying to get approved for btw?

[pizzadude]

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@aot2009 wrote:

7-8% util

Don't know my EX score probably 690+ since it's similar to what it was before

AAoA is 5 years I think...

Don't make me go buy another fico subscription

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If you are looking for a charge card, I would recommend trying a Zync card.   

[LS2982]

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@aot2009 wrote:

7-8% util

Don't know my EX score probably 690+ since it's similar to what it was before

AAoA is 5 years I think...

Don't make me go buy another fico subscription

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I would say you have a decent shot. the student loans may hurt your chances tho.

[aot2009]

I don't have any new cards they are all over 6 months old and almost a year.

My biggest concerns are the 1 chargeoff which is from 2006 on all three reports and the BK dismissal on EQ

I'd be most interested in Zync since the AF is very low at $25.00

[aot2009]

4-5 student loans will fall off this year, several inquiries too in August I'm okay to wait until then.

[LS2982]

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@aot2009 wrote:

4-5 student loans will fall off this year, several inquiries too in August I'm okay to wait until then.

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Waiting for this to happen would be your best option.