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Established Contributor
jcstarkey8826
Posts: 708
Registered: ‎06-01-2012
0

blacklisted or not??

I apped for a discover recently with all of my others so that they age off together. I have a paid discover CO from 2008. (college... ugh)

 

They denied me, but the reason listed was my previous account CO and then went on to list others, but they did a hard pull.

 

from what ive read on here, if they do a HP then you arent BL, but they listed it as a reason. Does that just mean thats one of the reasons, but It wont keep me from it eventually maybe? Little confused sorry.

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Regular Contributor
Tommy5746
Posts: 440
Registered: ‎02-08-2012
0

Re: blacklisted or not??


jcstarkey8826 wrote:

I apped for a discover recently with all of my others so that they age off together. I have a paid discover CO from 2008. (college... ugh)

 

They denied me, but the reason listed was my previous account CO and then went on to list others, but they did a hard pull.

 

from what ive read on here, if they do a HP then you arent BL, but they listed it as a reason. Does that just mean thats one of the reasons, but It wont keep me from it eventually maybe? Little confused sorry.



jcstarkey8826 wrote:

I apped for a discover recently with all of my others so that they age off together. I have a paid discover CO from 2008. (college... ugh)

 

They denied me, but the reason listed was my previous account CO and then went on to list others, but they did a hard pull.

 

from what ive read on here, if they do a HP then you arent BL, but they listed it as a reason. Does that just mean thats one of the reasons, but It wont keep me from it eventually maybe? Little confused sorry.


I would say if they listed it as a reason then yes... If they hadnt mentioned the CO then i would say you arent... BUT it may a temp blacklist... Ive seen instances where people were denied credit due to a black list.. then as years went on the blacklist was dropped and they were able to apply again..

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Frequent Contributor
WhiteCollar
Posts: 314
Registered: ‎04-07-2012
0

Re: blacklisted or not??

Some companies keep an internal list. So just b/c the account may have reached the statue of limitations and fallen off your CR's, it does not mean your former creditor has forgotten about your past relationship.

Established Contributor
jcstarkey8826
Posts: 708
Registered: ‎06-01-2012
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Re: blacklisted or not??


WhiteCollar wrote:

Some companies keep an internal list. So just b/c the account may have reached the statue of limitations and fallen off your CR's, it does not mean your former creditor has forgotten about your past relationship.


It hasnt even fallen off of my reports. Ive just read conflicted views on it. Some say if they do a HP you arent blacklisted, but they did a HP so I was confused.

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Moderator
Revelate
Posts: 9,758
Registered: ‎12-30-2011
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Re: blacklisted or not??


jcstarkey8826 wrote:

WhiteCollar wrote:

Some companies keep an internal list. So just b/c the account may have reached the statue of limitations and fallen off your CR's, it does not mean your former creditor has forgotten about your past relationship.


It hasnt even fallen off of my reports. Ive just read conflicted views on it. Some say if they do a HP you arent blacklisted, but they did a HP so I was confused.


Honestly I take those reports with a grain of salt.  There's no reason that just because you're blacklisted implies that you won't get a HP, only that a specific lender kicked your application out before doing an inquiry.

 

In fairness, a HP is designed to indicate that you're seeking new credit, so in this case a HP is entirely plausible and permissible.  I tend to err on the side of always expecting a HP for any CLI/application of any sort, even if many people report that it's a SP here on the forums or from the CSR's directly.

 

Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
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Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: blacklisted or not??

More than likely your blacklisted. Can you pay back the old debt?



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EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Established Contributor
jcstarkey8826
Posts: 708
Registered: ‎06-01-2012
0

Re: blacklisted or not??


LS2982 wrote:
More than likely your blacklisted. Can you pay back the old debt?

The debt is/was paid back. I figured I would be, and Im ok with the HP. Was just confused by posts stating otherwise.

In my wallet: GCU Patinum Visa 1500 CL, Charter One Platinum Rewards 500 CL, Chase Freedom 800 CL, Wal Mart Discover Card 6300 CL, Kay Jewelers 3000 CL
Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009
0

Re: blacklisted or not??

[ Edited ]

I've seen it widely reported on here that Amex will cancel an application without a HP if you are on their blacklist.  That one's been reported enough to seem fairly reliable.  Recently, I've seen people stating it as a general rule that if you are blacklisted with any creditor, you don't get a HP.  It's unclear to me whether the latter is well substantiated or whether people are assuming that Amex's policy applies more broadly.  I'm not saying there aren't specific threads re blacklists and Discover, Chase, etc.  I just don't recall them.

 

ETA: Try a recon explaining that you paid the CO and would like a chance to reestablish a relationship with them.


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