Thinking of pulling the trigger for Discover IT

[Trigga]

  Hello , here is some info that is on my credit report and wondering if you guys think i have a chance for a approval .

credit card late payment over 3yrs ago 

1 collection @6 yrs for 500 dollars tried PFD to many times and now its getting close to falling off my reports anyway .

MY TU FICO is 658 not sure of other scores

my utility is pretty high atm 90% on one card 3500 CL and useing 3k

AAoA is 1 yr 8months

3 other credit cards with a 0 balance reporting , but they have small CLs

Also i have a mortgage loan reporting since last novemeber never late and reports to 2 of the 3 breaus atm just doesnt report to TU atm .

Should i wait untill my card is paid down or go for it id like to transfer the 3k balanace not sure if they will go for it . The balance is on a wal mart card btw , thx !

[myjourney]

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@Trigga wrote:

  Hello , here is some info that is on my credit report and wondering if you guys think i have a chance for a approval .

credit card late payment over 3yrs ago 

@1 collection @6 yrs for 500 dollars tried PFD to many times and now its getting close to falling off my reports anyway .

MY TU FICO is 658 not sure of other scores

my utility is pretty high atm 90% on one card 3500 CL and useing 3k

AAoA is 1 yr 8months

3 other credit cards with a 0 balance reporting , but they have small CLs

Also i have a mortgage loan reporting since last novemeber never late and reports to 2 of the 3 breaus atm just doesnt report to TU atm .

Should i wait untill my card is paid down or go for it id like to transfer the 3k balanace not sure if they will go for it . The balance is on a wal mart card btw , thx !

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Need More Info 

The one card is high UTL but what is your total limits accross all cards( $) maybe the UTL is lower 

[jsickz32]

Yes. Get that UTL lower..

[Trigga]

With my other cards there limits are low so my total over all useage is %50 

[myjourney]

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@Trigga wrote:

With my other cards there limits are low so my total over all useage is %50 

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If you get UTL down to about mininum 20% I don't think you would have a problem getting approval

[09Lexie]

I agree, util is a killer.

[Anonymous]

Discover IT won't touch me for some reason.  Oh well... I disrupted my gardening... forgetting NFCU is hard inquiry happy -- with NAVchek increase request.  Granted for what I want, appreciative, but ick!  I was three weeks in -- so requested a $3,000.00 in my Cash rewards... I'll take one or the other since Discover IT won't play nice with me.

Shrug, Josh (Score was Equifax 683 -- last I checked).

@Trigga wrote:

  Hello , here is some info that is on my credit report and wondering if you guys think i have a chance for a approval .

credit card late payment over 3yrs ago 

@1 collection @6 yrs for 500 dollars tried PFD to many times and now its getting close to falling off my reports anyway .

MY TU FICO is 658 not sure of other scores

my utility is pretty high atm 90% on one card 3500 CL and useing 3k

AAoA is 1 yr 8months

3 other credit cards with a 0 balance reporting , but they have small CLs

Also i have a mortgage loan reporting since last novemeber never late and reports to 2 of the 3 breaus atm just doesnt report to TU atm .

Should i wait untill my card is paid down or go for it id like to transfer the 3k balanace not sure if they will go for it . The balance is on a wal mart card btw , thx !

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[Trigga]

Thx for the replys , time to pay down that card 

[myjourney]

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@Trigga wrote:

Thx for the replys , time to pay down that card 

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Best wishes and keep up the good work

[Trigga]

Paying $100 a month is gonna take forever to pay this debit off lol