topic Re: 2010 Blacklist Thread in Credit Cards

2010 Blacklist Thread

haulingthescoreup — Tue, 16 Feb 2010 12:29:55 GMT

Although we have an old thread about which lenders blacklist, a member pointed out that it hadn't been updated in two years.

A lot has changed since this thread was started, and CCC's are much less forgiving.

If anyone has any specific info about CCC's which blacklist those who

have charged off a card with them
have included them in BK
or have otherwise been on their bad side for such things as frequent late payments, high util, and so forth,

please consider posting it here.

--thanks

Re: 2010 Blacklist Thread

newstart2010 — Tue, 16 Feb 2010 19:07:14 GMT

US Bank will not give cards to those with previous BK, whether they were included in the BK or not. This goes for the secured card as well.

Bank of America recently told us they will not approve anyone with public records, satisfied or not. They said this is new, and they also are not currently open to overrides.

Re: 2010 Blacklist Thread

BBYGRL — Tue, 16 Feb 2010 20:13:04 GMT

Amex of course. They have the memory of an elephant. COs, Settlements, etc. They will not forget if you did not pay them in full.

Re: 2010 Blacklist Thread

Anonymous — Tue, 16 Feb 2010 21:00:27 GMT

PNC Bank - 02/10 Declined due to BK7 in 2004...they were not included

BOA - 01/10 tt csr in virtual chat who told me they do not auto decline for bk, unless they were included then 7yrs decline

Barclays- 02/10 approved for US Airways Mastercard.. BK7 in 2004 but they were not included

Chase- 02/10 auto decline if a BK is present on report whether you filed on them or not

Re: 2010 Blacklist Thread

Anonymous — Wed, 17 Feb 2010 00:11:42 GMT

Target and Macy's. They were both included in my BK in 2008.

Re: 2010 Blacklist Thread

tray — Wed, 17 Feb 2010 03:18:19 GMT

Capital One blacklists too.

Re: 2010 Blacklist Thread

laz98 — Wed, 17 Feb 2010 03:24:56 GMT

perhaps we should include for how long these companies blacklist. i noticed a couple of posts mentioning derogatories from 2008; i think i would have to side with the companies that those are pretty recent mistakes that probably should not be overlooked. IMO.

Re: 2010 Blacklist Thread

haulingthescoreup — Wed, 17 Feb 2010 12:23:03 GMT

Good point.

I'd like to encourage posters to specify such things as
-- blacklists for what? BK? CO?
-- how long ago were the problems, and how were they resolved (if they were)?
-- did this actually happen to you, or is this info that you read elsewhere and that you're sharing? (which is fine, but an important distinction)
-- did the lender tell you in so many words that you were denied due to the past problems, or is that your conclusion?

thanks

Re: 2010 Blacklist Thread

Creditaddict — Wed, 17 Feb 2010 18:52:33 GMT

USBANK Use to be bk friendly you just have to have scores above 680, has this changed?

Re: 2010 Blacklist Thread

Anonymous — Thu, 18 Feb 2010 02:30:08 GMT

BoA will not even giveyou a secured CC (one of the few that still offers one) if you have recent derogs.

Chase is not forgiving for settlements on CC for Auto loans. In an oral conversation the rep said that Chase looks at the overall pictureof your dealings with them.

Re: 2010 Blacklist Thread

Creditaddict — Thu, 18 Feb 2010 05:36:39 GMT

I recon BofA for secured and was given it with 2 BK's so that's not true.

Re: 2010 Blacklist Thread

Anonymous — Thu, 18 Feb 2010 05:47:47 GMT

@Creditaddict wrote:
I recon BofA for secured and was given it with 2 BK's so that's not true.

I thought so too.This was my 1st card 6 years ago and I used it for 4 months to jump start my credit score before closeing it.

What may have worked for you Creditaddict did not work for me.

Re: 2010 Blacklist Thread

Creditaddict — Thu, 18 Feb 2010 05:55:53 GMT

@Anonymous wrote:
@Creditaddict wrote:
I recon BofA for secured and was given it with 2 BK's so that's not true.
I thought so too.This was my 1st card 6 years ago and I used it for 4 months to jump start my credit score before closeing it.
What may have worked for you Creditaddict did not work for me.
I mean they later closed it for the delinquencies that were always there but none the less I had it for over 1.5 years and it was unsecured with CLI

Re: 2010 Blacklist Thread

Anonymous — Thu, 18 Feb 2010 07:21:01 GMT

BofA gave me a secured card in Jan 2009--the same month that Verizon incorrectly and illegally updated my 2005 charge off to show that it was a charge off starting January 2009.

Capital One gave me two credit cards in 2007 despite having TWO unpaid charge-offs with them in 2005.

Message Edited by emartin82 on 02-17-2010 11:21 PM

Re: 2010 Blacklist Thread

BungalowMo — Thu, 18 Feb 2010 17:08:08 GMT

@tray wrote:
Capital One blacklists too.

Yes...I had a paid CO from July 03. Tried for card in summer of 09....Nope! They sent me a letter stating past history was reason for denial & that no hard inq was made. Never saw it on my reports, so it seems they keep old info on record....run your ssn through their system first & if nothing comes up, hard pull & determination.

Re: 2010 Blacklist Thread

Creditaddict — Thu, 18 Feb 2010 17:14:33 GMT

what card did you apply for, I would apply for there most basic card for worst credit. I have burned them 2 and when im declined now it's becuase of bk not past capital one accounts. but they do approvals completely automated so if you try for a better card than they will give you they don't counter a lower card

Re: 2010 Blacklist Thread

BungalowMo — Thu, 18 Feb 2010 17:33:57 GMT

@Creditaddict wrote:
what card did you apply for, I would apply for there most basic card for worst credit. I have burned them 2 and when im declined now it's becuase of bk not past capital one accounts. but they do approvals completely automated so if you try for a better card than they will give you they don't counter a lower card

If you've been there & burned them...I wouldn't touch this. It will be a waste.

Re: 2010 Blacklist Thread

newstart2010 — Thu, 18 Feb 2010 18:09:14 GMT

@Creditaddict wrote:
I recon BofA for secured and was given it with 2 BK's so that's not true.

You state you had the card for 1.5 years. A lot has changed in the last 1.5 years, and in fact they state very clearly when you speak to them now that recon overrides are no longer available and that they are not allowing BKs anymore.

A ton has changed recently.

Re: 2010 Blacklist Thread

newstart2010 — Thu, 18 Feb 2010 18:11:02 GMT

@Creditaddict wrote:
USBANK Use to be bk friendly you just have to have scores above 680, has this changed?

Yes, they state very clearly on their application page that you can get a card as long as you are in their supported states, and have noBK within the last 10 years.

Re: 2010 Blacklist Thread

Andy77 — Fri, 19 Feb 2010 18:16:14 GMT

If you include Orchard Bank in a BK they will not give you a secured card or credit card..this goes for all HSBC products as well. This is my experience.