Help!! App question for CSP

[electra]

OK, so I'm finally trying to talk my inner chicken into app-ing for the Chase Sapphire Preferred and AMEX BCP.   

I'm filling out the CSP app and it asks the following question:

Is your credit history clear from bankruptcies and/or seriously delinquent accounts?

Not sure how to answer this?  I have 3 old (paid) state tax liens and one old (unpaid) bogus medical collection  (small...$100).

Should I answer yes or no?

[enharu]

You should answer no.
I might be wrong though.

[dodgerslv]

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@electra wrote:

OK, so I'm finally trying to talk my inner chicken into app-ing for the Chase Sapphire Preferred and AMEX BCP.   

I'm filling out the CSP app and it asks the following question:

Is your credit history clear from bankruptcies and/or seriously delinquent accounts?

Not sure how to answer this?  I have 3 old (paid) state tax liens and one old (unpaid) bogus medical collection  (small...$100).

Should I answer yes or no?

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@electra wrote:

OK, so I'm finally trying to talk my inner chicken into app-ing for the Chase Sapphire Preferred and AMEX BCP.   

I'm filling out the CSP app and it asks the following question:

Is your credit history clear from bankruptcies and/or seriously delinquent accounts?

Not sure how to answer this?  I have 3 old (paid) state tax liens and one old (unpaid) bogus medical collection  (small...$100).

Should I answer yes or no?

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I have a 2 year old paid collection and 2 chargeoffs from 2007 (1 unpaid). I left it blank and got approved instantly for 5k...good luck if you go for it!

[jamesdwi]

I believe I read somewhere on there site, that they only consider its serious if its within the last 2 years unless its an Bankruptcy, I was approved with a few old baddies on my report like 4 years old.

[electra]

Thanks guys!!!

I didn't answer the question and hit submit and....APPROVED!!!!!!

Only $6k though.  Should I recon for higher?

[dodgerslv]

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@electra wrote:

Thanks guys!!!

I didn't answer the question and hit submit and....APPROVED!!!!!!

Only $6k though.  Should I recon for higher?

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Yay! congrats! I was debating to request a CLI on mine but i read it will most likely result in a HP so debating to just apply for a second card instead and that way i can have 2 cards from them and move my limits down the road...lol

[enharu]

Grats on the approval!

I would say just use the card for 3-6 months at least, preferably 12, and them request a CLI. You will probably get a bigger increase for the same cost of 1 HP that way.

If you need a higher CLI right away, you can always call in now.

@dodgers, I don't recommend going on a spree with the same lender unless you already had prior relationship with them before this.

[dodgerslv]

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@enharu wrote:
Grats on the approval!

I would say just use the card for 3-6 months at least, preferably 12, and them request a CLI. You will probably get a bigger increase for the same cost of 1 HP that way.

If you need a higher CLI right away, you can always call in now.

@dodgers, I don't recommend going on a spree with the same lender unless you already had prior relationship with them before this.

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yeah...going to wait about 6 months and go for the CSP then!