11-05-2012 05:46 PM
Has anyone applied for Care Credit after getting a chargeoff with them. I had one with $1000 CL, hubby had one with $6000 CL. My card had perfect credit, but I closed it because I wasn't using it (closed in 2003), hubby's started getting behind in 2006 and was charged off for $717 outstanding in 06 or 07. I think I might have paid this off to a CA but don't have the documentation. Now hubby has a bad toothache and needs dental care. I just applied online for a joint account with me as primary applicant. He has the higher income, but I have higher scores. I had to call them back after application was submitted, hubby had gone to store. They put me on hold for awhile and then they asked to speak with him...now I have to call them back and put him on the phone with him...is it regarding the CO from 6 years ago, or just to confirm that he agreed to be co-app on this?
11-05-2012 06:10 PM - edited 11-05-2012 06:13 PM
UPDATE: They just needed to confirm his identity, probably because just last week I disputed his prior addresses, in an attempt to start the clean-up & repair process. Anyway, we got approved for the $2000 I requested...Should have asked for more...especially with our dental issues...darn English ancestors...lol :-}
11-05-2012 06:11 PM
11-05-2012 06:15 PM - edited 11-05-2012 06:15 PM
Thanks! If only I could figure out how to make the emoticons work..darn computer! :-o
11-06-2012 10:08 AM
You can always call back and tell them you found out you needed a little more credit. I did that an dit worked. I was approved for 1500 and called them back and told them i needed it to be 3000 and a few seconds later, bam, approved for 3000...they are easy to work worth..If you need more then 2000 or don't want to use your whole limit i would call them back asap and ask for more so they don't run the credit report again..
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.