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Anyone had any success getting an account with Chase or Citi if you previously had a chargeoff
with them? If so, did you have to pay it or is their a timeframe needed?
I don't think there's a specific timeframe per se, but in a variety of cases, some folks have been able to re-establish those relationships after satisfying those prior unpaid COs.
That said, there's also examples of individuals who didn't and still managed to be approved albeit years and years later. By the same token there's those who fall in the middle and remain on the naughty lists for an undetermined period.