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Is it possible to get a credit card with the same company you got a charge off from ?

Contributor

Is it possible to get a credit card with the same company you got a charge off from ?

I will be done paying off the charge off through the collection company as of tomorrow and I was wondering if it was possible if I could get another credit one credit card to help rebuild since all my baddies, but 1 will be paid off (a $61 collection).. 


Starting Score: FAKO EQ 497 EX 516 TU 517 (4.28.12)
Current Score: FICO EQ 587 (9.29.13) TU (GECRB) 596 (2.19.13) EX (USAA) 482 (3.12.13)
Goal Score: 700 all across the board!
Message 1 of 12
11 REPLIES
Frequent Contributor

Re: Is it possible to get a credit card with the same company you got a charge off from ?

I have a credit one card i dont use it wish i would not have gotten it . It cost to much just to have get a secured one some where else.
Message 2 of 12
Established Contributor

Re: Is it possible to get a credit card with the same company you got a charge off from ?

going the secured route is ALWAYS better than going to CreditOne or FirstPremier. 


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Message 3 of 12
Contributor

Re: Is it possible to get a credit card with the same company you got a charge off from ?

I have a Usaa secured .. I had it for about 2 months now.. I was just trying to find a way to get an unsecured card.


Starting Score: FAKO EQ 497 EX 516 TU 517 (4.28.12)
Current Score: FICO EQ 587 (9.29.13) TU (GECRB) 596 (2.19.13) EX (USAA) 482 (3.12.13)
Goal Score: 700 all across the board!
Message 4 of 12
Frequent Contributor

Re: Is it possible to get a credit card with the same company you got a charge off from ?

Try capital one I got a platinum card through them only a 300 cl . And I had a previous charge off with them but it was paid in full when i applied. You can see if you can get preapproved on their website.
Message 5 of 12
Contributor

Re: Is it possible to get a credit card with the same company you got a charge off from ?

I was pre-approved but still denied in January .. Smh


Starting Score: FAKO EQ 497 EX 516 TU 517 (4.28.12)
Current Score: FICO EQ 587 (9.29.13) TU (GECRB) 596 (2.19.13) EX (USAA) 482 (3.12.13)
Goal Score: 700 all across the board!
Message 6 of 12
Mega Contributor

Re: Is it possible to get a credit card with the same company you got a charge off from ?

Looking at your scores you must have some recent baddies. Have you attempted any PFD's on this?




EQ FICO 548 3/3/16
Message 7 of 12
Contributor

Re: Is it possible to get a credit card with the same company you got a charge off from ?

My most recent baddie was a 30 day late in August and a medical collection for 70 I paid in December.. Other than that 3 charge offs from 2009-2010 as of tomorrow all 3 will be paid off.. And no pfd, No one was willing to budge..even the medical collection agency told me they couldn't do it because it was too late and I had previously set up an arrangement and didnt follow through .. My fault I suppose.


Starting Score: FAKO EQ 497 EX 516 TU 517 (4.28.12)
Current Score: FICO EQ 587 (9.29.13) TU (GECRB) 596 (2.19.13) EX (USAA) 482 (3.12.13)
Goal Score: 700 all across the board!
Message 8 of 12
Mega Contributor

Re: Is it possible to get a credit card with the same company you got a charge off from ?


Isaiah2990 wrote:

My most recent baddie was a 30 day late in August and a medical collection for 70 I paid in December.. Other than that 3 charge offs from 2009-2010 as of tomorrow all 3 will be paid off.. And no pfd, No one was willing to budge..even the medical collection agency told me they couldn't do it because it was too late and I had previously set up an arrangement and didnt follow through .. My fault I suppose.


Wow that sucks, the 30 day and recent collection is what is killing your score. I'd try to GW that 30 day.

 




EQ FICO 548 3/3/16
Message 9 of 12
Contributor

Re: Is it possible to get a credit card with the same company you got a charge off from ?

I doubt they will.. I tried to GW them when I totaled my car and my gap insurance didnt kick in for another 2 in a half months after.. And they stI'll have me a 30 day late.


Starting Score: FAKO EQ 497 EX 516 TU 517 (4.28.12)
Current Score: FICO EQ 587 (9.29.13) TU (GECRB) 596 (2.19.13) EX (USAA) 482 (3.12.13)
Goal Score: 700 all across the board!
Message 10 of 12