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Established Contributor
Posts: 786
Registered: ‎09-15-2008
0

What are my chances?

On getting approved for a Cap One builder card? I have a Cap One account in 2003, which of course, charges off but I paid it a few years ago.
 
TU: 590
EQ: 550
EX: 526

Starting Score: 454
Current Score: 690
Goal Score: 750


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Senior Contributor
Posts: 3,494
Registered: ‎05-25-2008
0

Re: What are my chances?



Breakthecycle2 wrote:
On getting approved for a Cap One builder card? I have a Cap One account in 2003, which of course, charges off but I paid it a few years ago.
TU: 590
EQ: 550
EX: 526





I dunno ... I got approved for a piddly $300 with them with the scores in my siggie. But your EX is a bit on the low side and IIRC, that's the first one they pulled (they pull all three, but the other two showed up a day or two later on TC for me).

Did you hit the pre-qual page and see if there's an offer there?

I'd do it. Or I'd try Orchard/HSBC. A lot of people here hate them (but then, most people hate Cap One, too), but they gave me a $300, and a CLI to $500 on activation.

So far, so good.

Best of luck!! Keep us posted!!

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Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!

Senior Contributor
Posts: 3,494
Registered: ‎05-25-2008
0

Re: What are my chances?

Oh, and I forgot to mention: We, too, had a CO with them (paid it days after it COed), and that was back in '05. So Cap One does, indeed, forgive!!

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Hubby's FICOs when we started: high 400s (June 2008)
Hubby's FICO NOW (04/06/09): TU: 679 EQ: 608 EX: ???
My FICOs: TU: 643, EQ: 606
Closed on new home: 1/20/2009 -- If we can do it, YOU can do it!!

Established Contributor
Posts: 786
Registered: ‎09-15-2008
0

Re: What are my chances?

Thanks for the advise!
 
I did use the pre selector and said to apply fo the one you have...still no guarantees
 
HSBC/ORCHARD
 
Yeah, I have a paid charge off with them too...I prequalified for a secured card.

Starting Score: 454
Current Score: 690
Goal Score: 750


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