Capital one no GO!!!!!

[Scupra]

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@Joortiz3 wrote:
I'm wordering if I pay the charged off amount
Will that help any?

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Please do not do this for Capital One.. They will let you back in after some time

[Anonymous]

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@Joortiz3 wrote:
Yes I got a secured card. From my local
CU a secured open sky card and two moths
Ago I got an invitation for merrick bank credit card. Witch I got approve for 600 SL and it suppose to double after six moths.oo I also got an auto loan for a 2015 Honda Accord sport
27.000 right out of discharge .

CU card 6 moths
Open sky 4 moths
Merrick bank 2 moths
Auto loan 6 moths

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Your rebuild is coming along just fine. Nurture these accounts and CapOne will let you back in soon enough.

I'm at the 6 month mark and waiting on them myself. I have 3 unsecured cards ($1500/$700/$300) and scores in the mid 600s again. On the plus side, I'm thinking CapOne will respond with better limits once they're ready for me vs. had they given me cards immediately post D/C.

[Pway]

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@Joortiz3 wrote:
I have check the pre-qualifier no luck .
I have apply for a QS and the regular one

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It seems as though you have applied for one of their top tier cards.  The rebuilding cards are the QS1 and Platinum.  Allow those cards you have to report a couple of more months to the bureau's and app again.  Although this time app for the rebuilding cards.

[Anonymous]

Thanks everyone for your advise I will
Do just that wait a For the card I have
Age abit longer then will see.
Just got an alert I only carry a balance of 8%
On one of the card the rest 0%
It's that time of the moth that they report and my score as of today are.

EQ 610
TU 608
EX 605

[notpaul]

I've heard a year wait is normal if they blacklist you. They didn't pull my credit when I applied with them a few months ago either.

[Anonymous]

It took me about 9 months until they pulled my credit and then I had to send them proof of income before they gave me a $300 credit limit on a QS which has a $39 fee. They put me on the credit steps program and say I will get an increase after the fourth payment. I know someone else who got in right after discharge, and someone else who didn't get approved until 10 months after discharge. All of us burned Cap One in bk process, but all of us had different results. The other two didn't have to provide proof of income. Once they pull your credit, you will know that they are ready to let you back in, but the end result will depend on their internal factors.

[Vegas4Play]

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@Joortiz3 wrote:
Thanks everyone for your advise I will
Do just that wait a For the card I have
Age abit longer then will see.
Just got an alert I only carry a balance of 8%
On one of the card the rest 0%
It's that time of the moth that they report and my score as of today are.

EQ 610
TU 608
EX 605
PLEASSSSEEE just wait it seems your burn of them was to recent ( IDK cause u didnt mentio,unless I missed it in the thread ). DH burned them for 12K in our BK13  filed 7/10 he got back in 25K 8/15 I'm not saying wait 5 yrs but wait til prequal shows you something AT LEAST.

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[Anonymous]

@vegas4play filed 3/15 discharged 6/15

[q_thurst]

I was in a similar situation as yours, and mines ended quite favorably, so persistence is key, I'm proof of it. I am 2-1/2 months post DC BK7 and burned CO on one card for 300 and had another that was PIF 4 months prior to filing. They had me on the blacklist and would not pull my credit when I applied. After calling the credit analyst and requesting a recon, they eventually decided to pull my credit and approved me with a starring limit of 3k. 

[Anonymous]

Also Joortiz3 did you check your credit reports to make sure everything was reporting correctly. I read one thread on here where someone applied and was denied. After being told to check their credit reports, they had to dispute the Capital One status to IIB and $0 balance. When that was corrected they reapplied and was approved. Also as mentioned make sure you reapply for the rebuilder cards.

Good luck and keep us updated!