When going for CC approval, is the FICO number or CR itself more important? My FICOs are good (I think I'll hit 700 very soon, if I havent already), but I have two 180-day lates from 2002. Not sure if Ill be approved. I currently hold two cards from orchard bank, 1k limit on each, havent had a single baddie on my CR since the 180day lates (sallie mae student loan).