Had a past Discover card that was charged off but later paid in full. Well after trying prequals for last several years it would always auto deny saying past account status. After getting the notification that the charge off fell of my reports a few weeks back, I tried the prequal and lo and behold I pre qualified at 14.49 apr so I took the bait and instant approved for $6,500. The card just arrived today and had a score of EX 720. Very excited that I'm back in. I didn't know how long I would be blacklisted but I guess it was just until the baddie fell off, 7 long years.
Congrats on the second chance. And the Disco approvals and CLI's still rolling in.
My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."
"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."