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Discussion in 'Credit Talk' started by jzilla, Mar 26, 2001.
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I think that the collection accounts are the negative marks in your report. If you have no collection accounts, you will have better chance to get the card.
Yea, I know they're negatives. What I was trying to find out is if they can consider a 4 1/2 year od collection less than two years old for any reason other than activity, such as suddenly paying on it, which I know will reset the clock. She didn't seem too concerned about the older accounts, just one that is supposedly less than two years old.
It doesn't matter how long it is and they still count as negative. They will not approve it if they see any negative in your report. It doesn't matter how long ago it is. When I applied for my Clickcredit Citi Plat.,all my charge-off accounts came off from my credit reports.
I just got the citi click platinum - they pulled Equifax, which has paid tax liens still on it - they're 5 years old.
Congradulations Breeze. I applied for Citi Click Plat and they pulled Experian and I don't have any negative in my credit report.
I have a couple collectins accounts, a cc settlement and a charge off on my credit and got Plat Select. My husband's credit is worse due to duplication of accounts and they just gave him 11,500
Well, I got my Transunion and there is nothing newer on it than 9/97. I called them back and was told to circle the dates on each item and fax it to them. They will review it and give me an answer in a few days. Keep your fingers crossed.