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?
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.