Can I get in with Chase or AMEX next summer ?

[Joecooltech]

So I’m in the process of rebuilding and next summer I want to get in with chase or Amex with what’s below to you think I will be able to ?


The Good

AUTO LOAN- opened April of 16 amount owe 5103 out of 10,500
Wells Fargo- opened April of 16 dad is primary but it is joint account holder Limit 8,600 Bal. 2300
Personal loan- opened January 17 amount 2000 owe 950
Finger Hut- opened 8/17 limit 1700
Capital one platinum- opened 9/17 limit 300 owe 0
Capital one quicksilver one open 12/ 17 limit 300 owe 0
Second auto loan open in 9/17 owe 14500



The bad

Midland Funding- Opened 3 yrs 6 mo amount 1,170
Midland Funding- Opened 3 yrs 5 mo amount 835
Portfolio Recovery Opened 2 yrs 6 mo amount 731

Cavalry- Opened 3 yrs 2 mo amount 753

From the data I provided what do you think ? None of the current collections are chase or Amex. Current scores are floating between 600 to 618

[Anonymous]

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@Joecooltech wrote:
So I’m in the process of rebuilding and next summer I want to get in with chase or Amex with what’s below to you think I will be able to ?


The Good

AUTO LOAN- opened April of 16 amount owe 5103 out of 10,500
Wells Fargo- opened April of 16 dad is primary but it is joint account holder Limit 8,600 Bal. 2300
Personal loan- opened January 17 amount 2000 owe 950
Finger Hut- opened 8/17 limit 1700
Capital one platinum- opened 9/17 limit 300 owe 0
Capital one quicksilver one open 12/ 17 limit 300 owe 0
Second auto loan open in 9/17 owe 14500



The bad

Midland Funding- Opened 3 yrs 6 mo amount 1,170
Midland Funding- Opened 3 yrs 5 mo amount 835
Portfolio Recovery Opened 2 yrs 6 mo amount 731

Cavalry- Opened 3 yrs 2 mo amount 753

From the data I provided what do you think ? None of the current collections are chase or Amex. Current scores are floating between 600 to 618

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I know this isn’t the answer that you want to hear but none of us can know for sure one way or the other.  6-9  months is a long time in the credit world and a lot can happen to your profile and/or scores in the meantime.  You need to get your scores >650 to have any reasonable chance and I’d be working hard on PFD requests with Portfolio and Midland.  Not sure how receptive they are to those requests but the Rebuilding Your Credit forum is a good resource for that.  I think once your scores are above 650 you’ll have a little easier time getting in with Amex than Chase if those charge offs are still showing.  You also need to attempt to get some higher revolving limits than $300 before trying with Chase.  The auto and personal loans are good for your credit overall but CC companies really are looking for experience with revolving accounts over installment ones.  Good luck when you do try.

[Anonymous]

Have contacted any of the 4  about PFD?   With 4 open baddies it will be dificult.  Scores need to come up some more.  Limits are kind of low for Amex.  

[Joecooltech]

I have had no luck with PFD but I appreciate your responses I just kind a wanted to get a baseline opinion might have to wait till 2019