Want a future with capitol one c/o debt

[Anonymous]

I have a c/o capital one card that closed sep 2013 with a current balance of 0 original balance of 566. It has since been sold off to PRA. i want to be able to do business with capital one again in the future. I am doing a dv through trans union and eventually probably try a PFD once it comes back. My main question is what should i do to ensure the possibility of doing business with capital one again.

[Anonymous]

Portfolio will never do a PFD...You may be able to apply now. Cap1 is very forgiving after 1 year after charge off.

[Anonymous]

I just recently am in the process of cleaning up my credit now. Was denied a secured capitol one card with them which is why i thought maybe i was blacklisted. Dicover gave me a secured card and im thinking of just going after a BOA secured so i will have 2. That stings that PRC will not do a PFD. Would you even recommend paying it then guys the PRC of 896 since it does not help my score

[Anonymous]

Are you still within SOL?

[Anonymous]

Yes until august 16 when it is 3 years from first derog

[Anonymous]

It's really a decision that you have to make for yourself. Going through the building process myself, I always made the decision to pay any and all debt that I created. At least everything that was within SOL and credit reporting.

[Anonymous]

Thanks so much for the help

[dave36021]

They are very forgiving I had 4 accounts charged off totaling over 6k. I currently have two cards with them a little over a year. Both started at 500 and have grown one is at 2k and the other 2.5. I first got the platinum then a few months later a QS one. Just last week I was able to convert the platinum to a QS1 and a lower APR for 7 months. So you will be able to work with them again. Good luck !!!

[Anonymous]

good to hear, was denied the secured for some odd reason but after using the secured cards from discover and hopefully BoA for a little while ill try again.