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Capital One

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twiddledee
Contributor

Capital One

Does Capital One have memory of old charge off accounts?  Had 2 cards 10 years ago that I stopped paying on.

Cap1 bought out my old credit card and although I now have established a decent credit history they don't seem to

Want to budge on any CLI.  Are they viewing my old derogatory accounts?

Thanks 

Message 1 of 7
6 REPLIES 6
robbulous
Regular Contributor

Re: Capital One

I think all banks have infinite memory, however they know people's financial situations in life can change. The best way to find out what they think of you is to apply. Sorry, I know this isn't much information. Best of luck on your application.


NPSL.................$30,000............$28,000.............$20,500............$28,000............$80,000............$19,000............$21,300..............$20,500
Current FICO Score Across All 3: 770+..... GOAL: 800+ Current Utilization: 5%....... Infiniti Financial Auto Loan at 1.9%
Message 2 of 7
CreditCuriosity
Moderator Emeritus

Re: Capital One

Cap1 is very forgiving of bad CO with them.... The have a very very short memory

Message 3 of 7
Anonymous
Not applicable

Re: Capital One

Yes and no. It depends on the profile too
Message 4 of 7
Pway
Valued Contributor

Re: Capital One

Nixon,


I agree it all depends on your over all credit profile.  It specifically states on their website that any deliquency on your cr they are not likely to give out credit line increases.

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.
Message 5 of 7
dobirdsmommy
Established Contributor

Re: Capital One

I went bad on capital one for about 750, in 2008-2010,  old 2 orchard banks also

 

2015 i now have 35k with them

 

 

building since 2011 Wallet:ME: Walmart 3k;Barclays Rewards 10k, Venture 18k; Slate 5k; Freedom 10k; overstock 4.8k, SGV2.5k; WEMC 20k 1.5 Rewards, Gamestop 1.2k, Fingerhut 3k; 2 NMAC Leases , VS 1.75k, BH 1.62k, Express 1.6k, Avenue 1.75k, JCrew 5k, HSN 1.47k, Torrid 1.55k, Roamans 1.4k, Jessica London 1.54k, kings direct 1.7k, Buckle 1.4k, WW 1.65k, ........ baddies:Fed Tax Lien
DH: 1750 capital one fh 2000, AU - VS, BH, HSN, WEMC, SPGV. Freedom, Slate, Venture, Barclays
Message 6 of 7
CreditCuriosity
Moderator Emeritus

Re: Capital One


@dobirdsmommy wrote:

I went bad on capital one for about 750, in 2008-2010,  old 2 orchard banks also

 

2015 i now have 35k with them

 

 


Lets just say I am worse then you by far and still have cards with them.  

Message 7 of 7
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