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SOUTHWEST CREDIT CARD....yes sorry another thread on this

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dddfresh
Frequent Contributor
‎01-27-2013 04:59 PM
‎01-27-2013 04:59 PM

SOUTHWEST CREDIT CARD....yes sorry another thread on this

Hey there!

 

Ive read just about every thread on this. However, I just want your opinion regarding my situation.

 

My fico EQ is 631, experian 674, and TU about 640.

My income is about 45-50k.

Unfortunately, I have one collection account that is $1500, which i have paid 1400 of, so one month left on it. Then i have a couple 5-6 year old paid, charge offs.

Dont have a chase account.

have 10+ inquires. (didnt know until recently that it was a problem!) I used to apply wherever, whenever. oops!

 

I have read chase doesnt like any Baddies, and wants over 700 scores and ive read they pull experian or eq.

 

My past 3+ years are perfect payments I have 4 cc and 4 store cards.

utilization about 15% total

 

Anyways, Seeing what your thoughts are! Have a good one

 

-Doug


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 1 of 49
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48 REPLIES 48
Repo-ed
Senior Contributor
‎01-27-2013 05:12 PM
‎01-27-2013 05:12 PM

Re: SOUTHWEST CREDIT CARD....yes sorry another thread on this

Chase likes no negatives

5/2012: 560 credit scores across the board
12/2014: 750+
3/2017: 780+
11/2019: 833
2/2023: Experian via Chase United Explorer CC pull - 891
Message 2 of 49
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dddfresh
Frequent Contributor
‎01-27-2013 05:13 PM
‎01-27-2013 05:13 PM

Re: SOUTHWEST CREDIT CARD....yes sorry another thread on this

Thats what ive read. BUMMER!! ive sent out GW letters so we'll see if any of that helps


9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 3 of 49
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Anonymous
Not applicable
‎01-27-2013 05:17 PM
‎01-27-2013 05:17 PM

Re: SOUTHWEST CREDIT CARD....yes sorry another thread on this

 
Message 4 of 49
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dddfresh
Frequent Contributor
‎01-27-2013 05:21 PM
‎01-27-2013 05:21 PM

Re: SOUTHWEST CREDIT CARD....yes sorry another thread on this

Is that card good for rewards?

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 5 of 49
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Anonymous
Not applicable
‎01-27-2013 05:24 PM
‎01-27-2013 05:24 PM

Re: SOUTHWEST CREDIT CARD....yes sorry another thread on this

 
Message 6 of 49
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dddfresh
Frequent Contributor
‎01-27-2013 05:26 PM
‎01-27-2013 05:26 PM

Re: SOUTHWEST CREDIT CARD....yes sorry another thread on this

Was your report/score good besides the repo?

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 7 of 49
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Anonymous
Not applicable
‎01-27-2013 05:29 PM
‎01-27-2013 05:29 PM

Re: SOUTHWEST CREDIT CARD....yes sorry another thread on this

 
Message 8 of 49
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dddfresh
Frequent Contributor
‎01-27-2013 05:31 PM
‎01-27-2013 05:31 PM

Re: SOUTHWEST CREDIT CARD....yes sorry another thread on this

Ok thx for the input

9/2013: Fico EQ 676, EXP 686, Fico TU 686.
NFCU Flagship Sig. $14k..NFCU CashRwdsSig $14k..NFCU LOC $12.5k..USAA Amex 4k..AMEX Green NPSL..Discover IT $1.5k...BofA Cash Rewards123 $2.5k...Southwest Premier $2k..Chase Freedom $1.5k..CareCredit $3.5k..Cap1-$1.5k..HSBC $300...Lowes $1.5k...WalMart $1.5k...JCP $1k..Chevron $1.1k..Kays/Jerrod - $5k split. around 8% Util. Want to get in the 700's in 2013! Have three old paid charge offs. 15-20inq.. LAST APP 8/29/13
Message 9 of 49
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Anonymous
Not applicable
‎01-27-2013 05:35 PM
‎01-27-2013 05:35 PM

Re: SOUTHWEST CREDIT CARD....yes sorry another thread on this

 
Message 10 of 49
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