Reapplying for a Credit Card that Went into Collections

[Anonymous]

This probably sounds strange but about 6 years ago I had a Victoria's Secret Credit Card. Unfortunately, after about a year I was unable to pay and it went to collections. 6 months ago I paid the debt off in full to the collection agency. I'm currently trying to rebuild my credit. Is it possible to now apply for a Victoria's Secret Credit Card again and get approved? The main reason I am interested is because I shop there often so I would use that card the most out of all the cards I currently have. What do you think?

[enharu]

What are your scores and overall credit profile look like? You can always try the shopping cart trick and see if you are preapproved

[LS2982]

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@enharu wrote:
What are your scores and overall credit profile look like? You can always try the shopping cart trick and see if you are preapproved

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I would try this as well.

IMO it may be a little early post paying off the collection to try if your not preapproved on the shopping cart trick.

[Rhaeny]

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@LS2982 wrote:

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@enharu wrote:
What are your scores and overall credit profile look like? You can always try the shopping cart trick and see if you are preapproved

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I would try this as well.

IMO it may be a little early post paying off the collection to try if your not preapproved on the shopping cart trick.

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+!

Yea I don't think they are going to be too willing to give out much of anything based on this scenario.  The best option you have is the shopping cart trick (it does work) but I sure as heck wouldn't waste an HP on them right now.  But you may be successful with other commenity cards using the shopping cart trick.  

[Anonymous]

Thanks for your help! My current scores are TU 698 Experian 663 Equifax 649 and MyFico 611

[enharu]

You have a decent score for TU, so you should check out cards by Barclays or other lenders that pull Tu

[Anonymous]

Thanks

[colindidit]

Comenity pulls EQ so yeah try the shopping cart trick

[HiLine]

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@enharu wrote:
What are your scores and overall credit profile look like? You can always try the shopping cart trick and see if you are preapproved

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+1

[creditnocash]

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@Anonymous wrote:
Thanks for your help! My current scores are TU 698 Experian 663 Equifax 649 and MyFico 611

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where are you getting the ex and tu score from? 

my credit karma score is around 670, but much higher on here. but its always ymmv.