Reply
Member
pghguy
Posts: 8
Registered: ‎06-09-2007
0

Blacklisting

OKay I need everyones expertise....
I have read some of the blacklisting threads and I want to make sure I have this correct.  This pertains to BK.
Amex will blacklist for life
Discover, Chase, BOA, Citi for 7 years?
 
How long will Juniper and Merrick blacklist for?
 
What about Cap 1 and HSBC?
 
Thanks guys!!
 
 
Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007
0

Re: Blacklisting



pghguy wrote:
OKay I need everyones expertise....
I have read some of the blacklisting threads and I want to make sure I have this correct.  This pertains to BK.
Amex will blacklist for life
Discover, Chase, BOA, Citi for 7 years?
 
How long will Juniper and Merrick blacklist for?
 
What about Cap 1 and HSBC?
 
Thanks guys!!
 
 


Are you asking about whether these CCCs will blacklist if you IIB them, or just for having a BK reporting even if those particular CCCs weren't included?

 
----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )
Member
pghguy
Posts: 8
Registered: ‎06-09-2007
0

Re: Blacklisting

[ Edited ]
If you BK them (IIB) how long do they blacklist


Message Edited by pghguy on 08-08-2008 01:39 PM
Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007
0

Re: Blacklisting

From what I've seen here on the forums, Discover and BOA *should* approve if the BK is over 7 years old.

One member had to call Discover for recon after an initial denial for BK to let them know it was over 7 years old.
Here we go again...
Established Contributor
plasticguy
Posts: 563
Registered: ‎02-21-2008
0

Re: Blacklisting

I filed Bankruptcy in the 80's Against AMEX, Citi & Discover. AMEX will not allow you to have a card nor be an authorize user for 20 years. I now have a AMEX Blue 23k limit 6.99% had since Jan 07. Started out at 10K. I have a Discover Card at 15k had it since 06 8.74 APR Have received several increases CITI is the Problem. Gave me 2 accounts Professional at 15K and Diamond at 8300. They will not grant me an increase on the Diamond due to the default. Pro was Opened in Sept 07, Diamond open Jan 08. Both cards are still at Promo rate of 0% and as of now when rate is over, Diamond will be 6.99% Pro 7.24%. Now why would they give me 2 accounts yet decline any future increases. I already started a thread about this a few days ago As you can tell by my scores, I've picked my self up and Cleaned up
Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007
0

Re: Blacklisting



plasticguy wrote:
I filed Bankruptcy in the 80's Against AMEX, Citi & Discover. AMEX will not allow you to have a card nor be an authorize user for 20 years. I now have a AMEX Blue 23k limit 6.99% had since Jan 07.

Were you told this info about 20 years by someone at Amex, or are you basing that on your own experience?  The consensus is that they blacklist for life if you IIB them.  Your own experience may be simply because they no longer have a record of your previous relationship gone bad, which happens now and then in a company that size.
 
----------------------------
App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )
Established Contributor
plasticguy
Posts: 563
Registered: ‎02-21-2008
0

Re: Blacklisting

No, no one at AMEX told me, that's what I heard. However, they still have my record. When I activated my blue in 07, the agent told me "Thank you for being a card member since 87. That's when I opened the green card and filed in 89
Regular Contributor
carlos1102
Posts: 130
Registered: ‎03-25-2008
0

Re: Blacklisting



plasticguy wrote:
I filed Bankruptcy in the 80's Against AMEX, Citi & Discover. AMEX will not allow you to have a card nor be an authorize user for 20 years. I now have a AMEX Blue 23k limit 6.99% had since Jan 07. Started out at 10K. I have a Discover Card at 15k had it since 06 8.74 APR Have received several increases CITI is the Problem. Gave me 2 accounts Professional at 15K and Diamond at 8300. They will not grant me an increase on the Diamond due to the default. Pro was Opened in Sept 07, Diamond open Jan 08. Both cards are still at Promo rate of 0% and as of now when rate is over, Diamond will be 6.99% Pro 7.24%. Now why would they give me 2 accounts yet decline any future increases. I already started a thread about this a few days ago As you can tell by my scores, I've picked my self up and Cleaned up


when did you file for bk. For what i understand discover was founded in the late 80's
Frequent Contributor
Cheech
Posts: 282
Registered: ‎03-26-2008
0

Re: Blacklisting



carlos1102 wrote:


plasticguy wrote:
I filed Bankruptcy in the 80's Against AMEX, Citi & Discover. AMEX will not allow you to have a card nor be an authorize user for 20 years. I now have a AMEX Blue 23k limit 6.99% had since Jan 07. Started out at 10K. I have a Discover Card at 15k had it since 06 8.74 APR Have received several increases CITI is the Problem. Gave me 2 accounts Professional at 15K and Diamond at 8300. They will not grant me an increase on the Diamond due to the default. Pro was Opened in Sept 07, Diamond open Jan 08. Both cards are still at Promo rate of 0% and as of now when rate is over, Diamond will be 6.99% Pro 7.24%. Now why would they give me 2 accounts yet decline any future increases. I already started a thread about this a few days ago As you can tell by my scores, I've picked my self up and Cleaned up


when did you file for bk. For what i understand discover was founded in the late 80's


I don't think that's right. I haven't researched it or anything, but I KNOW I remember seeing Discover card applications at dozens of cash registers in the early 80s. Everywhere you went, they were sticking one of those under your nose. Unless I'm losing my mind. ;-)
Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007
0

Re: Blacklisting

I believe Wikipedia stated that Discover started in 1986, but I (or it) could be wrong.
Here we go again...

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}