@acevesf wrote:Hi all. Well I'm going to go on a little app spree and would like some help in deciding what to apply for and where I have the best chance of approval.
My Profile:
- Eq: 632 pulled 2/17.TU 692 pulled today
- Income: 65K
- AAOA: 3 years (oldest 6yrs 8 monts)
- Baddie: WFNB/Express had a 30 day late in december 2006 Was stupid and young.. argh! Will this fall of in 12/2013 or is it based off the date the account was opened which was 4/05?
- Collections: 6 medical
Current accounts:
credit one bank 8/2008 $272 950 limit barclays/apple 3/2011 $580 2500 limit macys 8/2008 $32 best buy store card 1/2008 $245 1900 limit security service credit union 8/2007 $3,279 car loan will be paid off in august guild mortgage. 7/2010 $236,730 mortgage
- App Spree: I'd like to apply for a major credit card, I have two visas was thinking of adding a MC to the mix if possible.
- Can any of you credit gurus make some suggestions?
- Anyone pull just transunion?
Will the medical collections prevent me from approval?Note: I will also be trying for a Jared Card soon, hoping to add that and one more card to my profile before gardening for a year or two.
IMO, you may want to work on getting those collections removed first. Are they paid?? If yes, send GW letters.
Util. is not that bad (18%) but i;d try to get that down below 7%.
Barclay's is the only major CC provider I know that primarily pulls TU.
I think if you work on removing the collections and getting your util. down and gardening until January you wont have to rely on just TU you can get what you really want! 
@scrubs wrote:buy some medical insurance then you wont have future medical collections
Not sure how to respond to this.......................
It's possible the OP ran into some hard times and wasn't able to pay his/her bills.....
