I have a EQ 669 and went to Bank of America pre-approval site and prequalified for 3 cards with $1,500 limitis, I selected the Visa Platnium. I waited a few days and NO inquiry hits on my Credit Watch. I called them at 800-242-5722 (Automated but stay on line after they ask for account number then follow instructions, you will get to an account rep.
I have a 6-Year Old Judgment, 2-Unpaid Collections from 2002 and 2005. I had no revolving accounts 2-installment accounts current. They will ? any baddies, be prepared to explain, as I had just in the past 2-months began to want credit cards I eplained I had contacted the creditor and was making arrangments to pay. They will also ask what you want the card for me I did not like to carry cash. Time on Job and Residence. I feel I would not have been approved if I had not called. They did a hard pull on my EQ and TU 667. They are very very nice. Be polite with what you have said 1-baddie over 24-months, I feel you will do good with BOA. They gave me a $2K Line.
I also got approved for an AMEX Gold Delta Skymiles, they also have a pre-approval site, They pull EX mine was 676, but no Judgment on that one. They did instant online approvqal for $2K. If not already get your othe 2-scores. You can also go to whogavemecredit.com this may also help, but updates on there site appear to be behind. Good Luck
