Blacklisting

[dsotm76]

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!  :-)

[iheartwings]

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@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!  :-)

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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. 

[Anonymous]

Call 800-AMIBLACKLISTED

just kidding of course!

[JR_TX]

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.

[JR_TX]

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.

[dsotm76]

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?

[Anonymous]

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. 

[Moneyklutz]

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@dsotm76 wrote:

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

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Data Points and Included In Bankruptcy...

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

[Meanmchine]

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

[dsotm76]

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.