Removed 23 collection accounts

[Vegas247]

My credit report is absolutely spotless. My problem now is the only positive account are all closed paid as agreed from 8 to 10 years ago. 3 mortgages 1 credit card and 1 personal loan. My only active account is a 3 months old secured credit card from Wells Fargo. I want a Barclay rewards Master Card. Does any think they will approve me?

[myjourney]

Welcome to the forum 

To better help I'll have your post move to CC forum 

More info needed

Fico scores?

AAoA?

INQ's in the last 12 months?

Limit on secured card and lender?

[Vegas247]

Well Barclay MasterCard rewards or something cool like that....

[Vegas247]

I don't know my fico scores but will the old paid accounts factor in.....or will Barclay say those mortgages are too old to factor in?

[myjourney]

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@Vegas247 wrote:

I don't know my fico scores but will the old paid accounts factor in.....or will Barclay say those mortgages are too old to factor in?

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Yes the closed accounts will factor as long as they're still on CR's 

For Barclay knowing your TU Fico score is a plus that's who they pull 

[Vegas247]

Bank of America 321,000 paid perfectly closed 9yrs ago....2 other mortgages paid perfectly 91/2 yrs ago for 300,000.... 1 credit card 1500.00 limit paid as agreed for 54 months closed as paid as agreed... Wells Fargo consumer loan 4,900.00 36 month paid as agreed....all I have past 2 yrs is a secured Wells Fargo for 1,000.00 limit. If my score and I'm guessing is 700 to 740 on TU, do you think I have a great chance at Barclays rewards master card? I have 1 inquiry in the past year

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@myjourney wrote:

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@Vegas247 wrote:

I don't know my fico scores but will the old paid accounts factor in.....or will Barclay say those mortgages are too old to factor in?

---

Yes the closed accounts will factor as long as they're still on CR's 

For Barclay knowing your TU Fico score is a plus that's who they pull 

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[myjourney]

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@Vegas247 wrote:

Bank of America 321,000 paid perfectly closed 9yrs ago....2 other mortgages paid perfectly 91/2 yrs ago for 300,000.... 1 credit card 1500.00 limit paid as agreed for 54 months closed as paid as agreed... Wells Fargo consumer loan 4,900.00 36 month paid as agreed....all I have past 2 yrs is a secured Wells Fargo for 1,000.00 limit. If my score and I'm guessing is 700 to 740 on TU, do you think I have a great chance at Barclays rewards master card? I have 1 inquiry in the past year

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@myjourney wrote:

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@Vegas247 wrote:

I don't know my fico scores but will the old paid accounts factor in.....or will Barclay say those mortgages are too old to factor in?

---

Yes the closed accounts will factor as long as they're still on CR's 

For Barclay knowing your TU Fico score is a plus that's who they pull 

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Based on that info I'd say you have a good shot of approval IMHO

[coldnmn]

Go for it! Good Luck!

[Creditaddict]

wow, can you share how you removed 23 collection accounts? where they old?

[baller4life]

Yeah that's pretty amazing