@smallfry wrote:
You have a Transunion credit card enhanced FICO of 700+ with 40 lates? Good for you. I would forget the 590 FAKO score.
Yes, fortunately for me most lates are due to fall off within the next year or two, so I don't think they weigh too heavily. Not to mention, these lates eventually lead to charge offs/collection accounts, but again, they are all paid (some for less than full balance), but should fall off within a year or two. I have written GW letters to these folks, with whom I have had these misfortunes, to get these marks removed, but have yet to hear anything back one way or another.
As far as the 590 score goes, that is from my Juniper MC (it is one of my rebuilding cards), and that score has never been terribly accurate, so I never put too much stock in it.
Off topic a bit, but I opened my mail the other day, and there was a letter in there from AMEX confirming a "product change" on my Gold Delta SkyMiles AMEX. I should be getting my AMEX Blue Cash card around the end of the month, with 0 AF, and 0% APR on purchases through the end of 4/08. This comes at a good time, because the AF on my sky miles would be due in December, to the tune of 85 bucks - but since the product change, nothing due. It does carry a high APR though (18.24 - the same as my Delta SkyMiles card), but I do plan on getting this reduced by the time April of '08 rolls around.
My Delta Gold SkyMiles card has been a good card overall, with the biggest downside being the annual fees (I always PIF, so the APR never really bothered me). Most importantly, I was able to rack up around 27,000 SkyMiles. I think that may be good enough for a free flight. WOO HOO!!