Pre-Qual & Pre-app sites are not a guarantee of approval, a HP will still be pulled and your overall credit picture will dictate approval/denial. What are the derogs and how old?
Welcome to the board 
@dize wrote:My most recent derog is 2 years ago. It was a best buy credit card for $500. It was around the time best buy cards switched from HSBC to another provider, or vice versa, I believe. Anyways, at the time I didn't really understand the "no interest for 6 months" thing. I thought that meant no payments, and as long as I pay it off in the 6 months I'm solid. I was young and dumb, and it was my first store card. But I was not recieving statements or emails for the card for some reason. It went into collections and I settled it.
Then I have 1 30 day late from capital one and one 30 day from my citi card around 4 years ago. I haven't missed a payment since then. My Util is high, but I am paying it down. I am down from around 85% util to around 45%. I have a capital one quicksilver with a 500 limit that I just got, a capital one platinum with a 750 limit, and a citi forward with an 800 limit.
The rest of my negatives are student loans. I did pay those off but they show as 120+ lates. One student loans shows as 6 loans on each credit report, I managed to get 3 of them removed from my TU and EQ. These are all 3-4 years old.
I have 1 ding from my old college for something on my experian, for what I do not know. The only thing I could think is when they charged me $400 in student and campus fees when I was attending a different school. I didn't pay it for a couple of years because I didn't agree with this charge being fair. I eventually paid it because I needed my transcripts. This was on september 2011 and shows as a collection.
I havent missed any payments of anything since then. I have had 1 auto loan that was paid off early, and I now have another auto loan that I have been very consistent on.
IMO I would not app for that card at this moment, I would continue working on getting your utilization down below 20% prior to app. I would also write some GW letters to Cap-1 & Citi on those 30 day lates though they are not affecting your FICO at the moment, they only usually do for 2 years, what is killing you is the 120s on those SLs so I would start a GW campaign on those as well. I would also GW that CA reporting paid.
Never a bad idea to pull a report through www.annualcreditreport.com of each bureau. Save it/print it out. So that you can refer to it whenever you want.
Definitely start rehabbing your score before you app for anything else, so you can have optimum results.
Definitely start rehabbing your score before you app for anything else, so you can have optimum results.
I would hold off a bit longer. Ive never been pre-approved for a card besides the discover it even though I don't even hold that. since you know what cards you are set on getting I would search more around the forum and look at what scores others have that are getting approved for that card.
