I have a $26K AMEX charge off from Dec05/Jan 06. My scores are between 615 - 630. I have two CapOne CC in good standing plus my husband has a car note with about $17K left and a CC ing ood standing. He had one collection in 2005 and I had a CC with 5 months of late payments last year.
What are our chances? We make roughly $75K/yr.
