i wrote a long post because i have been in this position since 2015,
I am in the same boat but have much older debt that you do. ill speak on my experience because i have one of the lowest scores to get back in with amex i have seen on here. i never burned amex through bk. i did optima program for plum. never paid anybody except the 3400 i owed to amex . i have a credit score at 573, supposedly. lenovo prequalify said i have a 447 so synchrony sees my credit score differently as of last week. i still was able to get their mccoys card and walgreens. i even burned them long ago for the billmelater credit from back in the day and never paid them back.
...all my debt falls off feb 2023 from 2015 debt.
my personal cards as of right now I was able to get with 10-12 derogs and no payments in order except for the amex plum i paid off :
this is with only paying one bank off but remember my amounts were considerably less than what you owe...
missionlane 600 CL , capital one walmart 2500cl, capital one for good credit no af 800 cl, credit one wander card no af 800 cl, regular credit one card 300 cl, merrick 2000cl no af, prosper 1000cl , ikea card 300 cl, comenity lexus 2000k cl , walgreens 500 CL, kohls 300 CL , mccoys 1000 cl , amex optima 1000cl.
speaking of chase..they still have never once offered me a product and i have a checking account with them. citi is in the same issue, wont give me personal cards yet besides secured, but i have like 3 or 4 business credit cards with them no pg.
for my business ein no pg cards i have like 40000 to 50000 in credit and 10-12 tradelines reporting. dk my paydex score but i figure its good. never use my business credit.
its just a waiting game if you don't pay the banks trust me and u have huge amounts you owe. your 100k income should be fixing those fast.. i remember when capital one wouldn't give me a secured (2-3 years ago) and amex blacklisted me on every product even the non credit products. i am now getting offers for 49k car loans from capital one and back in with amex. heck i had a repo I removed off my credit reports just last year for around in the five figures from 2018 so everything is in the right order for me and i have been waiting since 2015.
seen it myself the timeline of growth from subprime banks helping me to getting back in with amex and capital one. can only see more growth if i don't go on a spending spree like a mad man lol.
i see good things on your report for the few loans/cards u have, its just you burned a lot of the big banks for big amounts so it will take much longer to fix things if u don't settle or pay in full. another option would be use that 100k if u can... get more secureds from the big banks and go from there if u want in quickly...if u are even eligible.
just my advice. don't give up.
Got it Mod I'm new to this site 
well thank you for all the advice so few questions
which card did you apply with your business without personal guarantee also when you apple for those specific cards do they still require to put your social because most applications I have came across always still require to put your social and when I do for example with capital one I get flagged due to previous relationship.
so I tried pre approval with capital one Walmart and got the same message as I have been getting basically my charge off with them is still on their internal file.
so my credit report is pretty clean besides all new trade lines in last few weeks and 3 negative items
1) bmw financial services - charge off with $2700 it was actual involded in accident. Bought gap coverage through bmw and gap never picked it up I've been disputing for last 1 year no results. So I guess if anyone has advice on how to take care of this.
2) Austin Capital- which is creditstrong back in oct 2019 I was late 30 days for 1 payment. Closed the entire account besides that in good standing so I have been reading about GW so will try and get that resolved through GW letter hope I have success it's only 1 late 30 day payment.
3) comenity bank/ express CC - charge off at $427 already disputed with them and waiting to see if they will do either PFD or will just keep disputing until they give up lol
Currently my credit profile is I would say pretty good. I'll give the breakdown below but what I don't understand is my chexsystem and EWS is really bad I'm guessing because I have 4-5 banks I let my checking account charge off with approximately $1-1.5k in negative so does that have anything to do with BOA not approving me for credit card? Because I never had BOA card and I just can't seem to get approved from them also to keep in mind my checking account were shut down by BOA from risk or back office and told me I can't bank with them until atleast 5 years and same is the situation with chase and many of the major banks so would like some advice on how to even just get back with them with checking accounts?
current credit profile :
*Note All AU account were through my best friend in 2020 to help jump start my credit journey I don't actually have any of the card in my possession but curious could I be eligible to get primary card if I've been an AU with those banks for 2+ years? Curious
Ava Finacne - $2500 limit opened June 2022
CBNA - $15k AU
Citi Card - $6k AU
Credit One - $400 opened august 2022
Discover - $3600 AU
Elan Financial Ser - $5k AU
First premier secured - $1k august 2019
Grow credit - $1800 May 2022
Navy Fed CLOC - $500 July 2022
Navy Fed Flagship - SL $6300 April 2022 & CLI - $1300 as of July 2022
Nacy Fed Secured - $1500 AU - April 2022 ( added myself with my finance just to make my file thick)
Suncoast Credit Platinum Rewards -$15k August 2022
SYNCB/EBAY - $12.5k AU
SYNCB/ JCP - $10k AU
Auto Loan with Navy - $31k in April 2022
Midflorida CU - 2% CB card - $5k August 2022
I also have 6 closed credit card account all good with exception of comenity reporting as charge off
I have 4 previous auto loan closed in good standing expect BMW as mentioned above
I also have LOQBOX reporting as personal loan and I also have self lender reporting under it both opened in
May as suggested by my credit repair king lol
once again sorry for such a long post but this summarizes everything any advice or help someone can give me on which card should I apply for and when?
My main concern is why can't I Get approved with banks like US Bank or even BOA or PNC? I never had bad relationship with them so do they also look at chexsystem because none of those bank I can even open a checking account let alone credit card.
thank you for reading this and helping its a long post I know sorry in advance.
I dont know where to begin. I added up +/- the debts in the begining of your post. I came up with $163,200 using the max balance range. Is this correct before the gang can help out.
Well thats why this froum and especially this sub-forum exist. We all have been there done that. With credit. More good doesn't hide the bad unfortunately. All the AU's helps, but really it doesnt in your case. Good credit on both ends with a thin file yes. With your income being past basically all of the states means test to file a Chap 7. Man I never says this. But Chap 13 might be in your near future to protect yourself from one of the creditors coming after you. Those amounts separetly are up there. I would consider speaking to the lawyer and see what they can do you for. Or contact all the banks and work out settlements to clear the past. I dont believe they'll go silently in the night to the end of the 7 yr reporting period. Maybe 1 or 2. But not all. Best of luck! Others will give their opinions in your situation. JMO.