I have no problem with paystub. I don't have a great debt/income ratio. I only have 2 open cards $150 limit and $300 limit. Both are about 75% full. Should I wait until the collection comes off tomorrow and pay down the balances to about $5 then apply?
Just my two cents... I'd at least wait till the collection falls off tomorrow. Paying down your balances would help, but I think you'd have to wait until the creditors update your balances on your report before it would make a difference for your score.
Don't forget, they don't report. That's the number one reason that I applied. With only two lower limit cards, you might be better off with a card that reports. Just my two cents. I think that makes four cents all together.
