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New Member
Posts: 9
Registered: ‎11-04-2012
0

Care Credit after Care Credit Chargeoff??? We'll see how this goes...

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?

In the Garden until May 2013

Starting Score: FICO: EQ 679 (11/12), TU 696 (11/12); FAKO: EQ 599 (3/11), TU 634 (5/10), EX 619 (5/10)
Current Score: FICO: EQ 691 (11/12), TU 716 (11/12); FAKO: EQ 640 (11/12), TU 659 (11/12), EX 659 (11/12)
Goal Score: 700+
New Member
Posts: 9
Registered: ‎11-04-2012
0

Re: Care Credit after Care Credit Chargeoff??? We'll see how this goes...

[ Edited ]

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 :-}

 

 

 

In the Garden until May 2013

Starting Score: FICO: EQ 679 (11/12), TU 696 (11/12); FAKO: EQ 599 (3/11), TU 634 (5/10), EX 619 (5/10)
Current Score: FICO: EQ 691 (11/12), TU 716 (11/12); FAKO: EQ 640 (11/12), TU 659 (11/12), EX 659 (11/12)
Goal Score: 700+
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Care Credit after Care Credit Chargeoff??? We'll see how this goes...

Glad it worked out, congrats on the approval! :smileyhappy:

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
New Member
Posts: 9
Registered: ‎11-04-2012
0

Re: Care Credit after Care Credit Chargeoff??? We'll see how this goes...

[ Edited ]

Thanks! If only I could figure out how to make the emoticons work..darn computer! :-o

 

In the Garden until May 2013

Starting Score: FICO: EQ 679 (11/12), TU 696 (11/12); FAKO: EQ 599 (3/11), TU 634 (5/10), EX 619 (5/10)
Current Score: FICO: EQ 691 (11/12), TU 716 (11/12); FAKO: EQ 640 (11/12), TU 659 (11/12), EX 659 (11/12)
Goal Score: 700+
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Care Credit after Care Credit Chargeoff??? We'll see how this goes...

Congrats

Member
Posts: 23
Registered: ‎07-07-2012
0

Re: Care Credit after Care Credit Chargeoff??? We'll see how this goes...

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..

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