Which order should I do this?

[shanac]

I'm in Illinois and I bank with Chase.

[09Lexie]

@enharu

Exactly! With that unpaid state lien Chase is probably a denial even at 11 yrs PLUS no other $5k limits reporting - although some have reported approvals without a prev history.

[09Lexie]

There won't be a score drop because of the lien update as paid. CS drop will come from the inq's/new accounts

[shanac]

@Lexie, really? Very interesting. I just assumed CS would drop once paid. Thanks for that info. 

[enharu]

Any kind of lien or collection will look much better as paid rather than unpaid. Your chances will be higher once you pay it off.

[dodgerslv]

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@enharu wrote:
Any kind of lien or collection will look much better as paid rather than unpaid. Your chances will be higher once you pay it off.

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+100

[shanac]

Thanks to everyone for the input--I feel I got some very good advice. I'm going to follow up w/the state tax lien on Friday.

Enharu and LS2982 you both differ on the order in which I should apply for the Freedom (1st and 3rd place). I need a third opinion. 

Just noticed that Lexie gave me her recommendation for which order I should app.

BUT you both agree I should wait to apply for the CSP until after I've had the Freedom for at least 6 months and if I apply for Amex charge and revolver, the Charge should be before the revolver. 

[enharu]

I forgot to list it overall. I was recommending which to go first for each lender

Go with Amex charge first if you need it, then Amex revolver, then freedom. I would just skip csp overall for now if I were you

[calihlove75]

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@shanac wrote:

@Anonymous, really? Very interesting. I just assumed CS would drop once paid. Thanks for that info. 

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Don't quote me on this, but I think liens can report for 7 years after paid, 15 years unpaid.

[09Lexie]

Not sure about the time frame..just know that an unpaid tax lien once paid will not make your CS drop.