cancel
Showing results for 
Search instead for 
Did you mean: 

Blacklisted from Credit One and US Bank/Elan

TattnallTrio
Frequent Contributor

Blacklisted from Credit One and US Bank/Elan

Does anybody know how long Credit One’s black list lasts? I charged off with them in 2017, filed Chapter 7 and that was discharged early 2018.
Also, I still can’t get approved for any US Bank secured cards. I charged off with them in college around year 2006.
Message 1 of 9
8 REPLIES 8
RehabbingANDBlabbing
Established Contributor

Re: Blacklisted from Credit One and US Bank/Elan

I think Credit One's blacklist is either very long or permanent. I am on it for a completely BS reason. In 2008, I opened a card with them and they sent it. I called to activate it and I failed the indentity verification, so they closed the account. I checked their prequalifier the other day and I am still on their blacklist. It came back and said "You are not eligible for a card with Credit One because you previously did not pay the balancew on an account with us."

Message 2 of 9
BallBounces
Valued Contributor

Re: Blacklisted from Credit One and US Bank/Elan

I can not help with the specific answer to your two questions, unfortunately.   But, I can offer these two opinions/ viewpoints:

 

1) regarding CreditOne, I assume there is a black list, but this is of little loss to you.  I would advise against this type of rebuilder in general, but if you should or must use one, there are others available.  Merric, AvantCard being two.  You should never really need more than one of these, if any ....

 

2) Elan and US Bank are conservative in general, I would not be surprised if there is a very long blacklist. Since they are conservative lenders, it is not uncommon for them to not be part of a rebuild.

050719:     
032422:     



FICO 08 scores listed and are stagnated until multiple derogatory items expire in a few years.
Message 3 of 9
FireMedic1
Super Contributor

Re: Blacklisted from Credit One and US Bank/Elan

Why worry about Credit One when theres others out there that are much better. @BallBounces gave good advise on some banks. Yesterday a poster got in with Mission One with $1000 and no AF. Merrick will double your limit with good use. And there s always Disco secured if your scores are good enough to get in and they graduate. Think of it as a blessing you got blacklisted from them. Good Luck!





Homeowner since Sept 2020. My posts are JMHO. My siggy is not to brag. Just sharing my experiences after BK from learning here from rebuild to recovery from the @ 540's.
Message 4 of 9
Proudfather328
Valued Member

Re: Blacklisted from Credit One and US Bank/Elan

I ended up on tough times 5 years back and had a CreditOne go to collections, I paid them off a few years ago and they sent me an invitation a few months later. Not sure how Ch7 works, but maybe call and see how you can take care of it to qualify?

Petal Card may be able to help you as well, good credit rebuilding card with no annual fee. I have one just for sock drawer use now to improve my overall CL, but it's taken me several years to get decent cards. Good luck to you, I know the struggle all to well and it will get better
Message 5 of 9
ImTheDevil
Super Contributor

Re: Blacklisted from Credit One and US Bank/Elan

I’m glad I’m not the only one who thinks being blacklisted by Credit One is a good thing. I never had them but I wish they’d blacklist me so I wouldn’t have to get mailers from them.

OP, the banks above listed by the other posters are great ways to rebuild, especially the secured Disco. Any of them, if treated right, can get you well on your way to credit health again.
Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | FNBO Evergreen | PenFed PCR | PenFed Gold | Navy cashRewards | Navy Platinum | Apple | Wells Fargo Active Cash | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)


Message 6 of 9
FireMedic1
Super Contributor

Re: Blacklisted from Credit One and US Bank/Elan

Trade ya @ImTheDevil  with my Ollo mailers. Smiley Mad





Homeowner since Sept 2020. My posts are JMHO. My siggy is not to brag. Just sharing my experiences after BK from learning here from rebuild to recovery from the @ 540's.
Message 7 of 9
ImTheDevil
Super Contributor

Re: Blacklisted from Credit One and US Bank/Elan

Lol I’d do it even just to get different crap to shred.
Platinum NPSL | Rose Gold NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | FNBO Prime Visa | FNBO Evergreen | PenFed PCR | PenFed Gold | Navy cashRewards | Navy Platinum | Apple | Wells Fargo Active Cash | IT Cash | IT Chrome | GHSFCU Visa Plat | Quicksilver | Target | VS | Home Depot | Lowes | Sams MC | Firestone | Overstock | Kohl’s | Key Bank auto loan (2017 Audi A6 Premium Plus S-Line)


Message 8 of 9
sjt
Senior Contributor

Re: Blacklisted from Credit One and US Bank/Elan


@TattnallTrio wrote:
Does anybody know how long Credit One’s black list lasts? I charged off with them in 2017, filed Chapter 7 and that was discharged early 2018.
Also, I still can’t get approved for any US Bank secured cards. I charged off with them in college around year 2006.

Stay away from Credit One.

What are you trying to achieve? Do you want to establish credit? There are other options besides those two lenders.

American Express: Platinum Charge, Optima, Business Gold, Delta Business Platinum, Business Cash
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) EX: 809 / EQ: 824 / TU: 812
Message 9 of 9
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.