topic Re: Blacklisting in Credit Card Applications

Blacklisting

dsotm76 — Wed, 03 Jan 2018 19:38:04 GMT

Hey everyone!

Way back in the mid-90's, I went through a bankruptcy and stopped with credit cards after that. Two years ago, I started to build my credit from the ground up. I've heard about blacklisting. My question is this...is there a way to find out if you are blacklisted, as well as to research who I bankrupted way back then? I remember Chase was one of them, so they are out of the picture now. But I don't want to waste any hits that don't need to be used.

Also, is there a way to be un-blacklisted? I had a Nordstrom card back then and I'd kinda like to get another Nordies card.

As always, THANK YOU for giving the newbie a clue! :-)

Re: Blacklisting

iheartwings — Wed, 03 Jan 2018 21:05:17 GMT

@dsotm76 wrote:
Hey everyone!

Way back in the mid-90's, I went through a bankruptcy and stopped with credit cards after that. Two years ago, I started to build my credit from the ground up. I've heard about blacklisting. My question is this...is there a way to find out if you are blacklisted, as well as to research who I bankrupted way back then? I remember Chase was one of them, so they are out of the picture now. But I don't want to waste any hits that don't need to be used.

Also, is there a way to be un-blacklisted? I had a Nordstrom card back then and I'd kinda like to get another Nordies card.

As always, THANK YOU for giving the newbie a clue! :-)

Blacklists aren't always infinite, but some have very loooooong memories. AmEx comes to mind when I think of members here who have

included them. Chase will give you a chance, but you might have to call for reconsideration. (Since you filed back in the mid 90s, I assume your BK has long been off your reports). Reconsideration is not the worst thing in the world - you just have to be prepared to answer questions from the analyst (my experiences with Chase have been quite pleasant).

I think YMMV on this one. Truth is, you never know if you're still on a blacklist unless you apply. Some recommend using prequalification on websites. If you get a solid APR offer, then it may be likely you will be approved.

If you aren't sure who you included in your bankruptcy, you can look at your original filing. If there are banks that are no longer around (i.e., Providian, Fleet Bank, etc.), you can do a web search and find out who those banks have morphed into.

HTH.

Re: Blacklisting

Anonymous — Wed, 03 Jan 2018 22:23:06 GMT

Call 800-AMIBLACKLISTED

just kidding of course!

Re: Blacklisting

JR_TX — Wed, 03 Jan 2018 23:21:32 GMT

American Express
Barclays
Chase

You can get back in with any CC creditor NOT listed above that are IIB with the right profile and at the right time.

Based on multiple DPs posted here on myFICO, with $0.0 paid back, Amex forgives at the 10 year mark the earliest. Chase is now at the 10 year mark as well based on DPs the past 2 months. Used to be 7 with recon although a couple of persons here did it in 5 year I think with an Epic and legendary recon (Pizza1 I think is one of them? Pls correct me if I’m wrong). There isn’t any DP here yet as far as getting back in with Barclays after IIB.

My advise? App away with Amex as they won’t HP you if you’re Blacklisted. Been doing that once a month just to see if I’m off yet. Just stay away from those 2 (Barclays and Chase) for now unless you have zero derog on your profile (BK off) and scores of 700+ across all CRAs and are WILLING to lose a HP!
Best of luck and please keep us posted if you ever decide to app.

Re: Blacklisting

JR_TX — Wed, 03 Jan 2018 23:45:50 GMT

Also to add, if you app with Amex and get declined with a HP then that means you’re OFF their BL and just don’t have the right profile to warrant an approval so somewhat a good sign. And Barclays if I’m not mistaken also Don’t HP if you’re on their bl but I’m not 100% sure on that one (Barclays) maybe someone can chime in to confirm.

Re: Blacklisting

dsotm76 — Thu, 04 Jan 2018 03:11:32 GMT

I want to take a moment and say THANK YOU for all the replies, even the humorous one. I always enjoy a good laugh. This is definitely good information to know. I never had an AMEX before and just got approved with them as my first unsecured card so there wasn't a worry there. I've seen some cards come across that Chase is a part of, but I don't want to chance the HP if it's pointless. My profile apparently is pretty solid with no derogs and mid to upper mid 700s on my three FICOs. (At least AMEX thought so with the SL I received.)

I'll have to see if I still have the papers from the bankruptcy. I didn't think I'd need them after seven years so they may be long gone. I'd hope there might be a record somewhere I could look at.

Forgive my newness here, but what do DP and IIB mean?

Re: Blacklisting

Anonymous — Thu, 04 Jan 2018 03:45:50 GMT

I have read that if you are blacklisted with Barclays they don't HP. So at least that one won't be hit. It will say something about unsatisfactory performance or something. Not sure if that is still true or how long Barclay's memory is.

Re: Blacklisting

Moneyklutz — Thu, 04 Jan 2018 03:49:11 GMT

@dsotm76 wrote:

Forgive my newness here, but what do DP and IIB mean?

Data Points and Included In Bankruptcy...

We're all new... except me, I'm old

Re: Blacklisting

Meanmchine — Thu, 04 Jan 2018 04:09:15 GMT

You can go to the Clerk of the Court where you filed your BK and get a copy of your creditors list.

Re: Blacklisting

dsotm76 — Thu, 04 Jan 2018 20:14:15 GMT

I appreciate the extra information. I'm trying very hard to learn all these abbreviations. :-) After the OT at work dies down, I'm going to contact the Clerk of Court and see if I can get the list. I am not one to waste an HP if I can avoid it.

Re: Blacklisting

Anonymous — Fri, 05 Jan 2018 04:32:00 GMT

I had negative histoey with Barcays back in 2008 when I closed my Frontier card with them. Above posters are correct they wont HP you if you're blacklisted which I myself seem to be, interesting data point though is that it is true, if your profile is squeaky clean they can overrule it as was the case with me when I applied for the Arrival + WEMC, I applied but immediately got declined, undeterred I called up recon till I was connected with a really nice lady who commended me on my profile and score and approved my application on the spot, the interesting part about my negative history with Barclays is that originally I was told closing it down I could reapply later and simply pay off the balance and the bank would see I had a good payment history, unfortunately it was incorrect and Barclays saw it as a bad thing.. Had I known about this I would have never accepted their payment plan and paid off the balance in it's entirety the way I did and proceeded to pay off the card the difficult way I did have to explain to the recon lady over the phone that I wasnt sure why I was declined so suddently when in fact I had paid off the previus card with them in full (which she did verify and see) So in a word YES you can be approved after you been black listed and recon will approve if your profile warrants it, unsure on time frame but mine has to be nearing 10 years now from the original closure so im not sure if Barclays is going by when the card was paid off in full or the original closure of the frontier card.

Re: Blacklisting

dsotm76 — Sat, 06 Jan 2018 01:36:24 GMT

Thank you for the reply. For some reason, Frontier sounds very familiar to me. I can't remember if that was one that I had or not. I really need to find the paperwork or take a trip downtown.

Out of curiousity, if I were to call a creditor before applying, can they tell me if I was BLed or not?

Re: Blacklisting

iheartwings — Sat, 06 Jan 2018 01:51:18 GMT

@dsotm76 wrote:
Thank you for the reply. For some reason, Frontier sounds very familiar to me. I can't remember if that was one that I had or not. I really need to find the paperwork or take a trip downtown.

Out of curiousity, if I were to call a creditor before applying, can they tell me if I was BLed or not?

Probably not without actually applying. Some won't even acknowledge that a blacklist even exists.

Re: Blacklisting

dsotm76 — Sat, 06 Jan 2018 01:53:21 GMT

That's what I figure

@iheartwings wrote:
@dsotm76 wrote:
Thank you for the reply. For some reason, Frontier sounds very familiar to me. I can't remember if that was one that I had or not. I really need to find the paperwork or take a trip downtown.

Out of curiousity, if I were to call a creditor before applying, can they tell me if I was BLed or not?
Probably not without actually applying. Some won't even acknowledge that a blacklist even exists.

That's what I figured but I had to ask just in case. :-)

Re: Blacklisting

Anonymous — Sat, 06 Jan 2018 08:53:31 GMT

@Anonymous wrote:
I had negative histoey with Barcays back in 2008 when I closed my Frontier card with them. Above posters are correct they wont HP you if you're blacklisted which I myself seem to be, interesting data point though is that it is true, if your profile is squeaky clean they can overrule it as was the case with me when I applied for the Arrival + WEMC, I applied but immediately got declined, undeterred I called up recon till I was connected with a really nice lady who commended me on my profile and score and approved my application on the spot, the interesting part about my negative history with Barclays is that originally I was told closing it down I could reapply later and simply pay off the balance and the bank would see I had a good payment history, unfortunately it was incorrect and Barclays saw it as a bad thing.. Had I known about this I would have never accepted their payment plan and paid off the balance in it's entirety the way I did and proceeded to pay off the card the difficult way I did have to explain to the recon lady over the phone that I wasnt sure why I was declined so suddently when in fact I had paid off the previus card with them in full (which she did verify and see) So in a word YES you can be approved after you been black listed and recon will approve if your profile warrants it, unsure on time frame but mine has to be nearing 10 years now from the original closure so im not sure if Barclays is going by when the card was paid off in full or the original closure of the frontier card.

Did they close your old Barclay's account because of late payments and then gave you a low payment plan?

I currently have a low payment plan with them due to some late payments two years ago. I was just curious if they will ever let me reopen the account.

Re: Blacklisting

UncleB — Sat, 06 Jan 2018 10:27:52 GMT

@dsotm76 wrote:
I want to take a moment and say THANK YOU for all the replies, even the humorous one. I always enjoy a good laugh. This is definitely good information to know. I never had an AMEX before and just got approved with them as my first unsecured card so there wasn't a worry there. I've seen some cards come across that Chase is a part of, but I don't want to chance the HP if it's pointless. My profile apparently is pretty solid with no derogs and mid to upper mid 700s on my three FICOs. (At least AMEX thought so with the SL I received.)

I'll have to see if I still have the papers from the bankruptcy. I didn't think I'd need them after seven years so they may be long gone. I'd hope there might be a record somewhere I could look at.

Forgive my newness here, but what do DP and IIB mean?

Hi @dsotm76, here's a link to a thread that lists common abbreviations used on myFICO: http://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/td-p/88458

To add a data point, I also included Amex in BK7 in 2000 and I now have three cards and an installment loan with them. They definitely didn't forget - I can only get auto-CLIs (my own requests are always denied due to the IIBK account) - but otherwise the relationship seems to be solid. I did wait a while to even try (2015) and I'm not sure exactly how much time was actually required, but I'm back.

I can also vouch that if you're on Barclay's black list there's no HP (at least as of 2016)... you'll just get a letter.

Re: Blacklisting

Shawndoe79 — Sat, 06 Jan 2018 14:30:23 GMT

@JR_TX so you’re telling me that I can app away at Amex and it will not be a hard pull? I’m 3 years post BK7 and Amex wasn’t included. I’ve heard the BK7 will be auto denial until year 5 at least.

Re: Blacklisting

JR_TX — Sat, 06 Jan 2018 19:03:46 GMT

@Shawndoe79 wrote:
@JR_TX so you’re telling me that I can app away at Amex and it will not be a hard pull? I’m 3 years post BK7 and Amex wasn’t included. I’ve heard the BK7 will be auto denial until year 5 at least.

If you didn’t burn (IIB) them then you’re NOT on their BL and will HP you if you app. From what the DPs here tells us, Amex is 5 years post “Filing” date before they let you in. You’re 3 years post DC date though so not sure what you’re file date was.

Re: Blacklisting

Shawndoe79 — Sat, 06 Jan 2018 19:11:56 GMT

@JR_TX wrote:
@Shawndoe79 wrote:
@JR_TX so you’re telling me that I can app away at Amex and it will not be a hard pull? I’m 3 years post BK7 and Amex wasn’t included. I’ve heard the BK7 will be auto denial until year 5 at least.
If you didn’t burn (IIB) them then you’re NOT on their BL and will HP you if you app. From what the DPs here tells us, Amex is 5 years post “Filing” date before they let you in. You’re 3 years post DC date though so not sure what you’re file date was.

Ok thanks for info, Filing date was 3 months prior, so that'll make me 3 years, 3 months post bk7

Re: Blacklisting

BungalowMo — Mon, 08 Jan 2018 02:56:26 GMT

I know for a fact that Capital One will BL you. They did it to me when I had a (eventually paid) CO years ago.

I don't care, I have other cards that I like better!