@FireMedic1 wrote:How many cards do you have now? Score is a bit low for them. Your age doesnt really matter. Its your credit profile age that matters. You already got back the most points you could with the last 30 day once it passed 2 yrs. Once those collections are toast. Report back what your scores are then. List out all accounts in the meantime.
And. Upgrade your Plat to the QS here:https://www.capitalone.com/?external_id=%2Fproductupgrade
Link won't work... found this a while back and saved it.
To upgrade from one Capital One account... go to this link: https://ficoforums.myfico.com/t5/Credit-Cards/Capital-one-upgrade-link-not-working-anymore/td-p/6228...
Reference Message 7 in that thread. I've used it twice. Once to take a Platinum card to a QS card... and now contemplating whether to go to a Venture One card or not.
@Ladymajestic2000 wrote:Currently my Fico Score 8 is exp 667 equi 624 transu 633. I'm currently about to get my last 2 collections deleted across all 3 bureaus. I have 1 late on my auto loan from dec 2019 & 7 lates on my Cap One Platinum card with latest late payment being Mar 2020. Other than that, my credit profile is good. Do you think once I have both collections off I'll get approved for AMEX Gold. I'll also like to mention I'm 22
Probably yes, but it's hard to guess as to these things.
@Ladymajestic2000 wrote:
@YoungMoney06 wrote:
@FireMedic1 wrote:How many cards do you have now? Score is a bit low for them. Your age doesnt really matter. Its your credit profile age that matters. You already got back the most points you could with the last 30 day once it passed 2 yrs. Once those collections are toast. Report back what your scores are then. List out all accounts in the meantime.
And. Upgrade your Plat to the QS here:https://www.capitalone.com/?external_id=%2Fproductupgrade
Link won't work... found this a while back and saved it.
To upgrade from one Capital One account... go to this link: https://ficoforums.myfico.com/t5/Credit-Cards/Capital-one-upgrade-link-not-working-anymore/td-p/6228...
Reference Message 7 in that thread. I've used it twice. Once to take a Platinum card to a QS card... and now contemplating whether to go to a Venture One card or not.
Will it be a hard inquiry if I upgrade ?
No- when you go to upgrade, it will tell you it won't affect credit score...
@Ladymajestic2000 wrote:
@YoungMoney06 wrote:
@Ladymajestic2000 wrote:
@YoungMoney06 wrote:
@FireMedic1 wrote:How many cards do you have now? Score is a bit low for them. Your age doesnt really matter. Its your credit profile age that matters. You already got back the most points you could with the last 30 day once it passed 2 yrs. Once those collections are toast. Report back what your scores are then. List out all accounts in the meantime.
And. Upgrade your Plat to the QS here:https://www.capitalone.com/?external_id=%2Fproductupgrade
Link won't work... found this a while back and saved it.
To upgrade from one Capital One account... go to this link: https://ficoforums.myfico.com/t5/Credit-Cards/Capital-one-upgrade-link-not-working-anymore/td-p/6228...
Reference Message 7 in that thread. I've used it twice. Once to take a Platinum card to a QS card... and now contemplating whether to go to a Venture One card or not.
Will it be a hard inquiry if I upgrade ?
No- when you go to upgrade, it will tell you it won't affect credit score...
I guess my questions are.. if I upgrade, will it completely take away my platinum or will I have 2 cc now? 2. Will it affect me from getting an AMEX Gold card if I apply next month ?
If you upgrade, you're effectively product changing. So yes, your Platinum card will be changed from a Platinum to whatever card you upgrade to. You won't have two cards, but one.
As for the AMEX question- there's too many variances to that to answer, so unfortunately, I don't know.
@Ladymajestic2000 wrote:
@YoungMoney06 wrote:
@Ladymajestic2000 wrote:
@YoungMoney06 wrote:
@FireMedic1 wrote:How many cards do you have now? Score is a bit low for them. Your age doesnt really matter. Its your credit profile age that matters. You already got back the most points you could with the last 30 day once it passed 2 yrs. Once those collections are toast. Report back what your scores are then. List out all accounts in the meantime.
And. Upgrade your Plat to the QS here:https://www.capitalone.com/?external_id=%2Fproductupgrade
Link won't work... found this a while back and saved it.
To upgrade from one Capital One account... go to this link: https://ficoforums.myfico.com/t5/Credit-Cards/Capital-one-upgrade-link-not-working-anymore/td-p/6228...
Reference Message 7 in that thread. I've used it twice. Once to take a Platinum card to a QS card... and now contemplating whether to go to a Venture One card or not.
Will it be a hard inquiry if I upgrade ?
No- when you go to upgrade, it will tell you it won't affect credit score...
I guess my questions are.. if I upgrade, will it completely take away my platinum or will I have 2 cc now? 2. Will it affect me from getting an AMEX Gold card if I apply next month ?
No you would not have 2 cards. They would simply upgrade your existing card is all. Even the account number and CL would stay the same. Only the product name would change. But given all the lates you have with them it may be a 50/50 shot at an upgrade at best.
Also if you were denied just a few months ago for the AmEx nothing has really changed for approval now for you. Also you do realize that the Gold Card is a CHARGE card that with a few exceptions relating POT eligible charges has to be PIF each month and not a Credit card, right?
