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Contributor
CyndibemyLOVE
Posts: 94
Registered: ‎02-04-2008

Capital One and a Capital One charge-off?

I had a Capiatl One card around 99 and it charged-off. I have a lot better profile now and the charge-off since fell-off. I am wanting to apply for one but do not want a hard on all three reports if it will be declined for the Charge-off. I have a 662 EQ 637 TU and an unknown EX. I have 2 old colection from 5+ years ago one being paid the other charged-off and 2 30 lates being the most recent 4 yrs ago. I have a 24% Util. and one current 13 month Auto loan.

 

What is my chances with Capital One?

Contributor
CyndibemyLOVE
Posts: 94
Registered: ‎02-04-2008

Re: Capital One and a Capital One charge-off?

Bump
Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007

Re: Capital One and a Capital One charge-off?

From what I've read, Capital One won't decline for a charge off if it has fallen off of your CRs.

 

However, that was a while ago, and their policy might have changed by now. YMMV. 

Here we go again...
Frequent Contributor
ralbusta
Posts: 309
Registered: ‎04-07-2008

Re: Capital One and a Capital One charge-off?

I actually got a cap 1 one card with a CO from them still on my CR, don't know if they have become stricter since though. Good Luck!

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