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Does anyone know if discover blacklists people who have old CO's
@whodatnation2 wrote:Does anyone know if discover blacklists people who have old CO's
Is the Charge~off paid or unpaid ? I think they won't blacklist if it is paid .....but it might also depend on how recent it is.
Like many situations its a YMMV.I know people who had paid charge off who got accepted with Discover (5 years after CO was paid)
Yes they do blacklist. I'm on their blacklist. It was a CO and it was never paid.
@whodatnation2 wrote:Does anyone know if discover blacklists people who have old CO's
While in college, I had a Discover and let it get CO'd. I still have the letter somewhere, but they sent a letter demanding the return of the card and told me I am no longer able to do business with them ever again. This was around 1997. Within 3 years, I paid it in full. Fast forward 12 years later from the CO. They sent pre-approvals and decided to go for it and got approved. They forgot I guess.
@llecs wrote:
@whodatnation2 wrote:Does anyone know if discover blacklists people who have old CO's
While in college, I had a Discover and let it get CO'd. I still have the letter somewhere, but they sent a letter demanding the return of the card and told me I am no longer able to do business with them ever again. This was around 1997. Within 3 years, I paid it in full. Fast forward 12 years later from the CO. They sent pre-approvals and decided to go for it and got approved. They forgot I guess.
It must be because you paid it. In my case I had a CO from 1992. (Yeah been a long time). Around 2000, they sent me a pre-approval letter, which suprised me at the time so I went for it, and they responded back with a letter about the CO and saying I will NEVER be able to get another account from them again. (Ok so why did you send me the 'pre-approval' then?) Soon after that I never got their "pre-approval" letters and have never applied with them since. I can't tell you if they still "remember" and I don't feel willing to burn an inquiry to find out.
@dharalex wrote:
I just searched whogavemecredit, and there are some approvals with CO, but they all looked paid.
I have heard they are like Amex in that they may let you back in, IF you pay in full first.
@LilloEsquilo wrote:...saying I will NEVER be able to get another account from them again...
Never is such a long time...
@Open123 wrote:
@LilloEsquilo wrote:...saying I will NEVER be able to get another account from them again...
Never is such a long time...
True. That's pretty much exactly what they said though if I recall the wording in the letter. It had a tone of "we are upset with you". Understandable of course.