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."
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.
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!
Trade ya @ImTheDevil with my Ollo mailers.
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.