Thanks! I fired First Premier today! My AF was $48 with them, so I wasn't paying $179 - that's a scary AF! I will try giving merrick a call to see what can be done about that late from 7 months ago. Love the boot graphic!
I would suggest you garden untill your lates are a year old and your UTL is less than 9%, then apply for something prime hopefully your score is over 650 by then.
Question for you regarding this ^ - I have 3 lates on an auto loan in the last year and my util is approx 49-52%, but my score in the next couple weeks should top 650, does this mean I could app for a prime card for a bal transfer I'd love to do??