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How long do CC backlist you?

Valued Contributor

How long do CC backlist you?

They just opened a Super Target like 5 blocks form my house i would love to have there card again but i applied last year an was told i was Blacklist i filed Target in a Chapter 13 10 years ago i wonder if i could write a GW letter for forgiveness lol.

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Message 1 of 12
11 REPLIES
Valued Contributor

Re: How long do CC backlist you?

Bump

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Message 2 of 12
Senior Contributor

Re: How long do CC backlist you?

Depends on the creditor.

 

Macy's - forever.

USAA - forever

AMEX - reported forever, but hear about exceptions to this.

BoA - have heard of problems being reported 10 to 15 years later.

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 3 of 12
Valued Contributor

Re: How long do CC backlist you?

Well i had a Marshall Fields card that Macy's bought out so i'll never own a Macy's card don't really care never shop there.

Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Message 4 of 12
Senior Contributor

Re: How long do CC backlist you?

I don't think GW will do anything for "internal company files."  I really don't know what their long term policy is, and it may just cost you an inquiry to find out.

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 5 of 12
Valued Contributor

Re: How long do CC backlist you?


txjohn wrote:
I don't think GW will do anything for "internal company files."  I really don't know what their long term policy is, and it may just cost you an inquiry to find out.

As far ass Target an Macy i applied last years an was denied for accounts that went bad with them years ago I was just wondering has anyone every had success with anyone that backlist them from the past forgive them..


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


Take the FICO Fitness Challenge
Message 6 of 12
Senior Contributor

Re: How long do CC backlist you?

Have you considered voluntarily settling these accounts, even though past SOL, IIB and beyond CRTP?

 

Macy's has a recovery "reinstatement" program.  Maybe Target would do similar?  Or maybe Target isn't in your future?

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Message 7 of 12
Frequent Contributor

Re: How long do CC backlist you?

Kays jeweler blacklist to forever. because my husband tried to apply and got denied. He defaulted on kays back in 1990 and he actually forgot about until he applied and they sent him a letter saying the reason he was denied was past obligations.
Message 8 of 12
Valued Member

Re: How long do CC backlist you?

I had an Associates Credit Card 7+ years ago and they were bought out by Citi, and I was wondering how long Citi blacklists.  I have finally reached the statute of limitations without filing ch 7 and I want to rebuild up to 750.  Right now my high is 604 on TransUnion, with my low 583 on Experian.
Message 9 of 12
Valued Member

Re: How long do CC backlist you?

Macy's is not forever. I had a Macy's card years ago and defaulted, charge off. Now many years later they gave me another card with an even higher limit than when I defaulted on.

 

Personally I think it has much to do with when you defaulted as in your age and where you are today. I defaulted on many many credit cards in my younger years and have most of them back now that I'm pushing 40. 

Message 10 of 12