topic Re: Is Capital One forgiving enough in Rebuilding Your Credit

Is Capital One forgiving enough

Anonymous — Tue, 17 May 2016 13:25:48 GMT

to issue a new account and card to someone that had a charge off and it no-longer reports on credit report?

Re: Is Capital One forgiving enough

AutoBot — Tue, 17 May 2016 13:39:24 GMT

CAP1 is very forgiving. In my case, any past issues with CAP1 over 1 year old didn't much matter. What are your current FICO scores? Signup for CreditCheckTotal trial offer for $1 and got your recent FICO scores. I would try for CAP1 QS1 or Platinum. If approved, go ahead and apply for the other at the same time. Hopefully you will end up with a CAP1 Platinum and a CAP1 QS1 card when all is said and done.

Re: Is Capital One forgiving enough

Anonymous — Tue, 17 May 2016 14:26:07 GMT

I had to pay off a previous CO with Cap One before they would give me an unsecured card. Other people have gotten one without having to do so. It seems like it varies. I was able to get the secured card though. I paid off my old charge off last month and was finally able to get approved for an unsecured last week.

Re: Is Capital One forgiving enough

Anonymous — Tue, 17 May 2016 15:07:04 GMT

My current scores from MYFICO

EQ-636

TU-624

EX-669

Re: Is Capital One forgiving enough

Anonymous — Tue, 17 May 2016 15:53:35 GMT

Have you tried the prequalify to see if there are any offers for you?

Re: Is Capital One forgiving enough

AutoBot — Tue, 17 May 2016 16:23:34 GMT

@Anonymous wrote:
My current scores from MYFICO

EQ-636
TU-624
EX-669

I would be applyingfor CAP1 Platinum and QS1 cards with those scores.

Re: Is Capital One forgiving enough

Anonymous — Tue, 17 May 2016 17:17:27 GMT

Hey there,

Capital one is very forgiving and i say that from personal experience.

I suggest to go on to the website and see what you pre qualify for and act on that. Thier prequalify is usually 99.9% accurate. GOOD LUCK!

Re: Is Capital One forgiving enough

bourgogne — Tue, 17 May 2016 19:14:43 GMT

@Anonymous wrote:

to issue a new account and card to someone that had a charge off and it no-longer reports on credit report?

sorry but if you had a CO that no longer is on your report then how would they know? I saw your scores, what does the pre-qualify at cap1 show? its very solid unlike many of the others.

Re: Is Capital One forgiving enough

Anonymous — Tue, 17 May 2016 19:18:03 GMT

@omfgpart2 wrote:
@Anonymous wrote:

to issue a new account and card to someone that had a charge off and it no-longer reports on credit report?
sorry but if you had a CO that no longer is on your report then how would they know? I saw your scores, what does the pre-qualify at cap1 show? its very solid unlike many of the others.

Their own internal records.

Re: Is Capital One forgiving enough

bourgogne — Tue, 17 May 2016 19:21:13 GMT

@Anonymous wrote:
@omfgpart2 wrote:
@Anonymous wrote:

to issue a new account and card to someone that had a charge off and it no-longer reports on credit report?
sorry but if you had a CO that no longer is on your report then how would they know? I saw your scores, what does the pre-qualify at cap1 show? its very solid unlike many of the others.

Their own internal records.

the op did not say the co was with cap1 and a hp is just a slice in time...or did I miss something lol

Re: Is Capital One forgiving enough

Anonymous — Tue, 17 May 2016 19:30:06 GMT

@omfgpart2 wrote:
@Anonymous wrote:
@omfgpart2 wrote:
@Anonymous wrote:

to issue a new account and card to someone that had a charge off and it no-longer reports on credit report?
sorry but if you had a CO that no longer is on your report then how would they know? I saw your scores, what does the pre-qualify at cap1 show? its very solid unlike many of the others.

Their own internal records.
the op did not say the co was with cap1 and a hp is just a slice in time...or did I miss something lol

You are correct, they did not specifically state the CO was with Cap One, that was an inference I made from the context of the original post.

Re: Is Capital One forgiving enough

Anonymous — Tue, 17 May 2016 20:11:31 GMT

I burned cap one in ch7 charge off - 2 cards and 6 months after the discharge, they approved me for cap one platinum and quicksilver one, $2000 limit each. I like that. Just wait until you prequalify and then apply for these 2

Re: Is Capital One forgiving enough

RonM21 — Wed, 18 May 2016 03:26:14 GMT

Once you confirm you prequalify, chances are you'll get back in. But like always ymmv.

Re: Is Capital One forgiving enough

Anonymous — Wed, 18 May 2016 04:25:57 GMT

I had a cap1 card charge off and fall off of my report after 7 years.

I prequalified and was approved for a platinum card with scores where yours are now!

So yeah, I'd say you have a shot!

Re: Is Capital One forgiving enough

AutoBot — Wed, 18 May 2016 09:19:22 GMT

Hey there OP so are you now a CAP1 card holder again?

Re: Is Capital One forgiving enough

Anonymous — Wed, 18 May 2016 09:24:25 GMT

I had a charge off that is no longer reporting. I got approved for the Plat MC 2 months ago.