- Posts: 1
- Joined: Wed Feb 17, 2016 4:04 am
so I've been working hard to recover my credit from a student loan I let fester for almost 9 years. I finally consolidated, started making payments opened a Military starcard (650), capone secured (200), Navyfed secured (1000), and a Capone quicksilver one (500) which will increase in June. I've managed to bring my scores from a sad 450~ Average to a now solid 605 Equifax, 569 Transunion, and 610 Experian. the student loans were transferred to Navient, and the older accounts are showing up closed on all of my records, with the miss payment history dated back a few years ago. on top of that I also have a tax lien dated from 2010 that has been paid for, and wont fall off till 2020.
on my credit reports its showing I have 9+ years credit history, and nothing in collections other then the derogatory remark of the tax lien.
also, I have only 2 inquires on my Experian and only the closed accounts, and the new consolidated account are showing in good standing.
my question is I predict if I keep my utilization down, my scores should be over 650+ in the next few months. will I have any issues applying for one of the charge cards, and ED cards through AMEX? Thank you in advance for all of your honest answers.