You've waited this long, what's another 2 months?verbob wrote: ↑Aug 11th, 2017 4:25 pmOk... so looking for advice:
I have ONE collections on my report. It's for Rogers, I had moved and switched phone/internet to Bell and didn't get the equipment returned to Rogers for quite a while, had completely forgotten about them until I unpacked all the boxes many many months later... so they charged my rental and equipment lose fees and sent it to collections... even after returning the equipment, they couldn't do anything because it had already been in collections. So basically I was stuck with a 1100 collection on my credit report for the last nearly 6 years...
But now it about to drop off. EQ no longer reports Rogers account(dropped off in July as thats when date of last activity was) BUT still shows the collections, with dola being oct 8. TU shows both rogers and collections with dola on oct 8.
I have a Capitol one secured (300.00) with no lates and low utilization... since dec 2016
Thats everything on my report.
EQ (directly from EQ): 658
Am I better off waiting the 2 months until the collections drops off, or can I apply for another card now? What would be the best card to go for?
When the collections drops off, your score will increase slightly as well (increasing your chances of being approved)
With the scores where they are for you, it's better to see that slight bump as it can potentially mean approve or reject.