Cap One blacklist

[Anonymous]

Just look somewhere else. I am a BK'r, but I know I can't compare or expect the same results as others. In the credit world, we are all different. I am a risk. My profile screams it! 

I paid all my debt, but I still have a bk on file. I feel blessed that anyone gave me another chance.

If I didn't pay it, I wouldn't or couldn't blame anyone for telling me to kick rocks....even for $5. 

[joltdude]

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@Anonymous wrote:
See I would be more than happy to pay them the 300 I burned them for as long as they let me back in... I'm gonna try to get ahold of someone to see if they would do that

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My datapoint

Had a friend who had really bad scores ...did offer and paid off their chargeoffs in full.. and convinced them to remove it from his report.....

A few months later the prequalified offers from Cap One rolled in and he got the card....

Know its not BK..

But if you can find a way.. it is very possible.... the only gotcha is you might have to wait to get back in, even if you do pay it off...

[2GreenThumbs]

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@Anonymous wrote:
They aren't getting paid through my chapter 13 plan. All of my unsecured debts were charged off. I figured since my plan wasn't discharged yet that it would be a pain... ugh.... really wanting to get back in with them. Currently have USAA secured and a Fingerhut revolving account. And self lender

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I don't know all the particulars of your situation, but I believe you aren't supposed to seek credit while on a Ch. 13 plan without trustee approval.  It's a big no-no.  Of course, if it's okay with your trustee, then keep trying.  I always checked the Cap1 prequal in the weeks leading up to my Ch. 13 discharge and always- nothing.  I burned them in BK.  The day after my discharge, I was approved for a $10,000 QS Visa.

[Anonymous]

If it's only been one year since you filed CH13, it's unlikely that any creditor will approve your app for a credit card.

its like zero percent probability. You will need to wait until your BK is discharged, and even then you will have problems at first in getting credit cards.

[Anonymous]

just a question, i didn't try to burn cap one in ch13, i filed it was dismissed and now no prequal and app did not result in hp only a denial for legal reasons.  Any insight on this?  btw  they pre-qual me for a car loan

[Anonymous]

I cold apped with them with having an active charge-off from them on my reports and they approved me.  Score was 528 at the time.