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Capita One and forgivness?

Established Contributor

Capita One and forgivness?

Is Capital One more willing to give second chances if you have a CO is the past that is paid?


Starting Score: 454
Current Score: 690
Goal Score: 750


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Message 1 of 20
19 REPLIES
Moderator Emeritus

Re: Capita One and forgivness?

I got another Cap1 card after settling the first one approx 7 years prior to apping.
~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Message 2 of 20
Regular Contributor

Re: Capita One and forgivness?

I think they do because I had a co in 2003 and they approved me for a blank check for a car a year ago. I didn't use that blank check though as the damb interest rate was out of this world.


Starting Score: 8/2008 521
Current Score: 734
Highest Ever: 4/2009 759
Goal Score: 760+

Take the FICO Fitness Challenge
Message 3 of 20
Established Contributor

Re: Capita One and forgivness?

May I ask what your scores were and what CR they pulled?

Starting Score: 454
Current Score: 690
Goal Score: 750


Take the FICO Fitness Challenge
Message 4 of 20
Moderator Emeritus

Re: Capita One and forgivness?


Breakthecycle2 wrote:
May I ask what your scores were and what CR they pulled?

 

If you're asking me, here's a link to the thread where I discussed getting the card in the first place.
~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Message 5 of 20
Established Contributor

Re: Capita One and forgivness?

Any suggestions as to one I should apply for?

Starting Score: 454
Current Score: 690
Goal Score: 750


Take the FICO Fitness Challenge
Message 6 of 20
Regular Contributor

Re: Capita One and forgivness?

i would app for capital one or hsbc
Message 7 of 20
Established Contributor

Re: Capita One and forgivness?


hayhayday wrote:
i would app for capital one or hsbc

 

Sorry, I meant which C1 card?

Starting Score: 454
Current Score: 690
Goal Score: 750


Take the FICO Fitness Challenge
Message 8 of 20
Moderator Emeritus

Re: Capita One and forgivness?

They have a card selector that asks you a few questions, or you can try their pre-approval link.

 

http://www.capitalone.com/creditcards/

~*~*~*~*~*~*~*~*~*~*~
From 700 in 2008 to 498 in 2012...
4/23/12 -- BK 13 date of filing EQ = 505
4/18/12 -- EQ 498
12/5/13 -- EQ 669
Here we go.... back on track.
Message 9 of 20
Frequent Contributor

Re: Capita One and forgivness?

had 2 unpaid cap1 chargeoffs in the 90s.  lived w/o ccs for 7+ yrs.  started rebuilding in early 07 w/first premier (now fired) and orchard (to be fired in early 09).

 

4/08- went to cap 1's preapproval site...preapproval for no hassle rewards came up.  decided to app.  got it.  300 cl (bah) turned into 1.1k (300 cli @ 3rd stmt; 500 cli b/c of credit steps) in just a few mos.

 

9/08- went back to cap 1's preapproval site...preapproval for no hassle cash rewards (what i wanted in the 1st place, but was afraid to 'cold app' in 4/08) came up.  got it.  300 cl (bah) is now 600 b/c i called the backdoor # after 3 stmts hit.  due to credit steps, it will be 1.1k cl (yay) in another mo or 2.

 

cap 1 keeps sending me 'preapprovals' for their auto loans (which i need), but i've not apped yet.

 

so yes, cap 1 DOES forgive.  however, my chargeoffs were OFF my reports for years before i even bothered apping w/them.

 

btw, cap 1 pulls ALL 3.

Message 10 of 20