Hi all! I have a lowish-average credit score (over 700 but not by much), built back after a few-month stint with derogatory marks across a bunch of accounts (like … 7 of them… which won’t fall off my credit report until like, 2026). I have a salary of 90k , a student loan in repayment at 50k I am diligently paying off.

***Edit: I think I used the wrong term here, they are 7 late/missed payments on two lines of credit and one credit card, all in the period of 3 months. now all closed and paid off or almost off. I have a capital 1 credit card (for 2-3 years) and a student loan, neither have any late/missed payments for well over the 2 year mark*

I applied for a Tangerine World Credit card last spring when my salary was exactly 60k and was denied.

Do you think I’d be denied if I apply for the cobalt??

A credit application will lower my credit score 15-20 points, so I really don’t want to apply until I know for sure I will be approved (I am still building it back from the Tangerine application….), but I know with my debt, etc. that the only thing that will help increase my credit score is literally accessing credit!

By 2026 I wanna have a score of 800, lol. I am tired of being denied access to life things because of this credit problem