04-21-2009 12:27 PM
I'll be interested to see if anyone has an answer to your question.
I just posted this morning that they must have a blacklist. However, some people who have included them in BK (even recently) are somehow getting approved.
I was wondering if it depended whether or not they sold the debt off. My theory was that maybe if they have sold the debt, they don't keep a record of it. In my case, they are the only credit card in my BK who DIDN'T sell the debt off.
Guess I'll let that one go.........
04-21-2009 01:01 PM
i just posted on krielly's thread about this exact thing.
i had a card go to charge-off back in 1999 with capital one. i just got a new card with them in september '08.
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