Discover blacklist?

[Anonymous]

Hi everyone,
I applied for a discover yesterday with an average credit score of about 700 ( all three beaureaus are similar) and I immediately got denied with no HP. I called recon line and the woman told me it was because they closed a discover card I had in 2015. I had a $500 limit and I blew to $800. They closed my card and I paid it off in like a month. How long is it on average to get off the blacklist? Does anyone have any experience with this?

[MrDFinance]

It really varies but some blacklist last 7-10-20 years.... Usually it's 7 years if it's a charge off and it falls Off your report but being that you paid it there's no telling how long they can hold that grudge for....

[Anonymous]

Banks do not typically keep records (computer, paper, recordings etc) beyond what they are required by regulatory requirements.  Doing so could be a liability to them.  This means that you will probably not be on the blacklist for more than that period of time.  I believe the maximum time depends on the activity that occurred on the account.  For instance, if the account was closed and simply paid the amount of time the bank is required to keep those records is significantly less than an account that was included in a Chapter 7 bankruptcy.  That is why you are getting answers that vary from 7 to 10 years.  AMEX is notorious for 20 years and this has nothing to do with record retention policies.  They just like to hold a grudge.

[Anonymous]

Okay, yeah it was only $800 and it was paid within a month. Thanks!

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@Anonymous

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[sjt]

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@Anonymous wrote:

Okay, yeah it was only $800 and it was paid within a month. Thanks!

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@Anonymous

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Thats odd they would deny you for an account that was closed and paid in 2015. You shouldnt be on the blacklist. Id call recon again. 

[Anonymous]

So I called recon and they told me that my account from 2015 was in revoked status and that's the sole reason why I got denied. She said to try again in a few years. I'm kind of peeved. Is there a higher up that we can get to somehow? Like a loan officer that can review my stuff?

[Anonymous]

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@Anonymous wrote:

Okay, yeah it was only $800 and it was paid within a month. Thanks!

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@Anonymous

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That's one way to look at it. Another is you went 60% over your CL causing your card to be closed.

[sjt]

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@Anonymous wrote:

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@Anonymous wrote:

Okay, yeah it was only $800 and it was paid within a month. Thanks!

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@Anonymous

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That's one way to look at it. Another is you went 60% over your CL causing your card to be closed.

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That certainly is a reason for the card to be shut down, but to be blacklisted is another story. Especially if they paid the card off in full and they were able to rebuild to a FICO score of 700 plus.

[Brian_Earl_Spilner]

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@sjt wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Okay, yeah it was only $800 and it was paid within a month. Thanks!

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@Anonymous

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That's one way to look at it. Another is you went 60% over your CL causing your card to be closed.

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That certainly is a reason for the card to be shut down, but to be blacklisted is another story. Especially if they paid the card off in full and they were able to rebuild to a FICO score of 700 plus.

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Banks are clamping down. Chase blacklists anyone that has a bankruptcy for 10 years now, even if they weren't included. 

[sjt]

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@Anonymous wrote:

So I called recon and they told me that my account from 2015 was in revoked status and that's the sole reason why I got denied. She said to try again in a few years. I'm kind of peeved. Is there a higher up that we can get to somehow? Like a loan officer that can review my stuff?

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I would write them a recon letter. State the reason why your last Discover Card was over the limit, mention that you repaid in full, and how you rebuilt your credit. Also mention that you would like the opportunity to regain membership, etc.