Reapplying for charged off credit issuers

[SouthJamaica]

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@drewricomakeubu wrote:

Does anyone know if Cap One and Citibank are forgiving in this matter?

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Capital One is one of the more forgiving banks.

Citibank is one of the least forgiving banks.

[SouthJamaica]

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@drewricomakeubu wrote:

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@Horseshoez wrote:

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@drewricomakeubu wrote:

Does anyone know if Cap One and Citibank are forgiving in this matter?

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CapOne is very-VERY forgiving; Citi, don't even think about it. 

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Do you happen to know how long Citi's memory is or an estimation? They sold my debt to collection close to 7 years ago. If they have long memories, I wont worry about it but I'm just trying to test the waters.

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Very very long. They'll bring up something you totally forgot about

[drewricomakeubu]

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@SouthJamaica wrote:

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@drewricomakeubu wrote:

Does anyone know if Cap One and Citibank are forgiving in this matter?

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Capital One is one of the more forgiving banks.

Citibank is one of the least forgiving banks.

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Awesome info, I'm thinking when all my baddies fall off which should make my scores increase significantly, I'll get a better idea of what they will look like in March when the last baddie is EE'd off TU. With 0 hard inquiries in the past 2 years, my plan is:

Chase FF - long relationship with Chase with PIF for the past 7 years, then

AMEX - BCE - AMEX not burned, had a card with them in good standing that I closed for some reason years ago, then 

CapOne Venture X - Only burned for $1394 7 years ago. 

Hopefully thats a decent order to app in. My only worry is IF they are approved, will I scare Chase with new accounts and have them close my accounts? Not sure.

[Horseshoez]

@drewricomakeubu, two or three new cards over a several month period won't even come close to scaring Chase. 

[drewricomakeubu]

@Horseshoez Even if I apped within a couple days if not the same day?

[OmarGB9]

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@Horseshoez wrote:

@drewricomakeubu, two or three new cards over a several month period won't even come close to scaring Chase. 

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I mean, *probably not,* but, we can't really say for sure. It's all profile-dependent.

[drewricomakeubu]

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@OmarGB9 wrote:

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@Horseshoez wrote:

@drewricomakeubu, two or three new cards over a several month period won't even come close to scaring Chase. 

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I mean, *probably not,* but, we can't really say for sure. It's all profile-dependent.

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Right on

[fury1995]

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@IcyCool7227 wrote:

Chase is the one with $6800 something. Now that it's off the CR I can't even see how much it was charged off for exactly with cents. If I never pay it would I ever get back with Chase again after more time or not? Would Chase even accept the payment at this point if it's off the CR?

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This would be an example for you and anyone else in a similar situation currently that you should always keep any correspondence received regarding any attempts to collect debt. Most people will use out of sight, out of mind to mentally reconcile financial misfortunes, however your future credit rebuilding self will thank your past self for having the foresight of meticulous record keeping. You never know which correspondence (if any) may be useful in the future. 

[privacyadvocate69]

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@IcyCool7227 wrote:

Chase has now fallen off my credit report a few months ago so if my score improves and apply again, because it's not on my report any longer, would I get another chance of approval? Or do they consider that forever permanent? 

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Just because it isn't on your credit report, doesn't mean they have forgotten about it. 

Personally, If I issued credit cards and I got stiffed by someone, I'd never give that person another one of my cards, EVER. 

However, most card companies are less stern and happy to chase the the dollar.  See if Chase is one of those companies and apply.

[IcyCool7227]

Kinda old thread of mine but yesterday when I was on the phone with US Bank cardmember servuces a rep named Tiffany told me that I could still make payments so Remedios you are incorrect. But what was also odd was that the account had gone to collections 4 times - ARS, then Mercantile, then Sunrise Credit Services, and back to ARS, yet the collection never showed up on any credit report of any kind with any service. Makes me wonder if Chase had sold to some secret collection service I don't know about. I might pay but it'd have to be over time. All 3 COs are now off my report so not sure if uts worth it or not.