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Posts: 93
Registered: ‎02-12-2008
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Cap One ??

How long is Cap ones's memory?
I have a charge off from them that is aging 7 years in March 09.
Will they give me another cc? The CO is for $1210.09 
My credit is improved now to the point I am weeding out the old.
We closed on our house 3 weeks ago and I need some better cards with better limits.
10/2007 TU 545 EX 538 EQ 529
2/2008 TU 628 EX 608 EQ 587
3/2008 TU 636 EX 627 EQ 613
4/2008 TU 637 EX 618 EQ 621
Frequent Contributor
Posts: 309
Registered: ‎04-07-2008
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Re: Cap One ??

They're pretty good about second chances. I had a paid CO from '02 that fell off two of the three CR, and I just got a new card from them. BTW they pull all three reports.
Frequent Contributor
Posts: 367
Registered: ‎03-28-2008
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Re: Cap One ??

I had a CO from 2001 for $5000, It just aged off earlier this year. I just apped a few days ago and got approved for $300. Its weak, but I'm going to try and milk it for all its worth. Oh, and they extended an auto loan to me in the amount of $15,323 while the CO+CA was on my reports. I put $5000 down, so I don't know if that helped any.
Valued Contributor
Posts: 1,116
Registered: ‎07-12-2008
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Re: Cap One ??

I have my issues with Capt. one but the one thing I will say about them is they will give you a second and even a third chance with them, even if you file them in a bk.
CURRENT SCORES: TU: 641 21 Apps / EX: 644 28 Apps / AAoA: 4.4 Yrs. / Util. 28% / Goal: 700 by 7/2/15

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