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Has anyone gotten this card with a non/paid collection and a charge-off on file? I also had 3 lates in 2002/2003, last time I applied i was denied. but my score was only 577, not my score is 616, I was thinking of waiting unitl my Collection fell off.

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I was approved for the UP card with 2 unpaid CO's (credit cards) and 2 other accounts that were showing paid but 90+days late max delinquency. My fico was 635 at the time and they approved me with a 1800 cl.

However, I just applied for the Corvette card two days ago with a 624 fico and was declined because of unpaid CO's. Don't know why they approved me for the UP card and not the vette card.

Good luck!

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Wellllllllllllllll....not exactly...lol!

When we applied, DW's EQ was clean except for a CC account that was listed as "Paid As Agrees" but actually was a CO with MANY, MANY lates if you checked the detail (LOTS of disputes with CSC). However, it showed on the "suface" as not a NEG with a $0.00 balance. Score was around 670 with only 3 inqs.

We applied (thinking "why not?") for the Corvette card a week later. This TL was enough for Corvette card to deny...due to the fact they picked up the lates on the trade line.

In the last 24 hours, all those disputes WORKED and the baddy is GONE completely! We applied (thinking again..."why not?") for the GM card but were denied due to 2 VERY weird reasons?! Score went to 697 with three inqs.....go figure!

mwh19991

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I got turned down twice, even after I appealed to them on planet feedback. I had one unpaid CO account (still trying to get that darn fingerhut account cleaned up) and one account with some 60 day lates, but four accounts in great standing.

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So everyone else (41views) has had a perfect record when they applied for their UP card?

I had a perfectly clean report, good history, many positives, fair util (50%), no bad history with household and got declined-then on reconsideration got a whole $500 and 17.9..they are my worst Cl and my worst APR. Had them 6 months and I asked for increase and reduction. Reduction no go and increase request in progress. But, it's been a week and nothing showing online so I'm sure I'm getting turned down by them. So....I'll be closing them as soon as I get the decline letter. For whatever reason, they hate me..LOL...and honest, absolutely ZERO negs were/are on my report and my other cards are primarily prime (blue, chase, bofa, etc) So...go figure..I'm not crazy about them. Actually, I'm just jealous that they are so good with others and so awful with me. teehee

Let me add, have used them up to $400, then paid down to $50, perfect payment history with them since I've had them, as well.

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