11-01-2008 06:38 PM
Is Capital One more willing to give second chances if you have a CO is the past that is paid?
11-01-2008 06:41 PM
11-01-2008 06:42 PM
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.
11-01-2008 06:55 PM
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.
11-01-2008 07:59 PM
They have a card selector that asks you a few questions, or you can try their pre-approval link.
11-01-2008 08:07 PM
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.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.