@drewricomakeubu wrote:Does anyone know if Cap One and Citibank are forgiving in this matter?
Capital One is one of the more forgiving banks.
Citibank is one of the least forgiving banks.
@drewricomakeubu wrote:
@Horseshoez wrote:
@drewricomakeubu wrote:Does anyone know if Cap One and Citibank are forgiving in this matter?
CapOne is very-VERY forgiving; Citi, don't even think about it.
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.
Very very long. They'll bring up something you totally forgot about 
@SouthJamaica wrote:
@drewricomakeubu wrote:Does anyone know if Cap One and Citibank are forgiving in this matter?
Capital One is one of the more forgiving banks.
Citibank is one of the least forgiving banks.
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.
@drewricomakeubu, two or three new cards over a several month period won't even come close to scaring Chase.
@Horseshoez wrote:@drewricomakeubu, two or three new cards over a several month period won't even come close to scaring Chase.
I mean, *probably not,* but, we can't really say for sure. It's all profile-dependent.
@OmarGB9 wrote:
@Horseshoez wrote:@drewricomakeubu, two or three new cards over a several month period won't even come close to scaring Chase.
I mean, *probably not,* but, we can't really say for sure. It's all profile-dependent.
Right on
@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?
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.
