2010 Blacklist Thread

haulingthescoreup · ‎02-16-2010

Although we have an old thread about which lenders blacklist, a member pointed out that it hadn't been updated in two years.

A lot has changed since this thread was started, and CCC's are much less forgiving.

If anyone has any specific info about CCC's which blacklist those who

have charged off a card with them
have included them in BK
or have otherwise been on their bad side for such things as frequent late payments, high util, and so forth,

please consider posting it here.

--thanks

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

newstart2010 · ‎02-16-2010

US Bank will not give cards to those with previous BK, whether they were included in the BK or not. This goes for the secured card as well.

Bank of America recently told us they will not approve anyone with public records, satisfied or not. They said this is new, and they also are not currently open to overrides.

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BBYGRL · ‎02-16-2010

Amex of course. They have the memory of an elephant. COs, Settlements, etc. They will not forget if you did not pay them in full.

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Anonymous · ‎02-16-2010

PNC Bank - 02/10 Declined due to BK7 in 2004...they were not included

BOA - 01/10 tt csr in virtual chat who told me they do not auto decline for bk, unless they were included then 7yrs decline

Barclays- 02/10 approved for US Airways Mastercard.. BK7 in 2004 but they were not included

Chase- 02/10 auto decline if a BK is present on report whether you filed on them or not

Anonymous · ‎02-16-2010

Target and Macy's. They were both included in my BK in 2008.

tray · ‎02-16-2010

Capital One blacklists too.

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laz98 · ‎02-16-2010

perhaps we should include for how long these companies blacklist. i noticed a couple of posts mentioning derogatories from 2008; i think i would have to side with the companies that those are pretty recent mistakes that probably should not be overlooked. IMO.

haulingthescoreup · ‎02-17-2010

Good point.

I'd like to encourage posters to specify such things as
-- blacklists for what? BK? CO?
-- how long ago were the problems, and how were they resolved (if they were)?
-- did this actually happen to you, or is this info that you read elsewhere and that you're sharing? (which is fine, but an important distinction)
-- did the lender tell you in so many words that you were denied due to the past problems, or is that your conclusion?

thanks

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007

Creditaddict · ‎02-17-2010

USBANK Use to be bk friendly you just have to have scores above 680, has this changed?

GordonShumway · ‎02-17-2010

BoA will not even giveyou a secured CC (one of the few that still offers one) if you have recent derogs.

Chase is not forgiving for settlements on CC for Auto loans. In an oral conversation the rep said that Chase looks at the overall pictureof your dealings with them.