dvd Posted February 28, 2018 Posted February 28, 2018 Call me crazy how do I apply without a HardpullIf you're on the BL they likely won't even pull your credit before denying. Happy to report I'm not on the blacklist . Applied in person Instant approval for CSR 14k and Freedom unlimited 7k only hiccup needed to prove identity thru cellphone code and mother maiden name ect. for both apps. Rep said they pulled equifax would not provide scores. My USAA scores today are EQ 801 EXP 794 TU 806 Congrats! Sent from my iPad using Tapatalk Quote
hegemony Posted February 28, 2018 Posted February 28, 2018 Call me crazy how do I apply without a Hardpull If you're on the BL they likely won't even pull your credit before denying. Happy to report I'm not on the blacklist . Applied in person Instant approval for CSR 14k and Freedom unlimited 7k only hiccup needed to prove identity thru cellphone code and mother maiden name ect. for both apps. Rep said they pulled equifax would not provide scores. My USAA scores today are EQ 801 EXP 794 TU 806 that's great news! Quote
Matti Posted February 28, 2018 Posted February 28, 2018 Approved for Amex Blue Cash Everyday $15,000. IIB 2009.Congrats! They still tell me to FOAD. BK7 will hit exactly 10 years, in March. Though all 3 Reports are BK Free. I burned them for ~$2,200 Thanks! Maybe in March try again? Right around the corner. We'll see what happens. Quote
Matti Posted March 2, 2018 Posted March 2, 2018 Approved for Amex Blue Cash Everyday $15,000. IIB 2009.Congrats! They still tell me to FOAD. BK7 will hit exactly 10 years, in March. Though all 3 Reports are BK Free. I burned them for ~$2,200 Thanks! Maybe in March try again? Right around the corner. We'll see what happens. Still on the BL! Quote
minnie aubre Posted March 3, 2018 Posted March 3, 2018 Approved for Amex Blue Cash Everyday $15,000. IIB 2009.Congrats! They still tell me to FOAD. BK7 will hit exactly 10 years, in March. Though all 3 Reports are BK Free. I burned them for ~$2,200 Thanks! Maybe in March try again? Right around the corner. We'll see what happens. Still on the BL! Quote
HoldenMcGroin Posted March 20, 2018 Posted March 20, 2018 I actually have a current account with Chase (with a very low limit, but the rewards had made it worth keeping) but when I applied to get a Chase Freedom, I got denied due to past delinquency. The account was 10 years ago and it wasn't even Chase at the time, It was a First USA account, which was later bought out by Chase. It kind of sucks that they are stil using it against me. I am about to close my card with them because it is a BP visa and they majorly diluted the rewards program last year. It's too bad that I'll probably never be able to take advantage of their good cards. I tried to pay the account off afterward but it was already charged off and I didn't realize that they wouldn't update my credit report every time I made a payment so I quit paying. I am pretty sure that they amount I paid actually exceeded the amount that I charged, but the amount was really bloated due to fees. I had forgotten about this. I'm off the Chase blacklist now as of 2016. Quote
tralston3838 Posted March 23, 2018 Posted March 23, 2018 Was just denied for BOA's cash rewards due to past history. I had a small charge off in 2006, which I paid in full, with included fees, a few months later. I'm still blacklisted 12 years later, lol. Sent from my LG-M150 using Tapatalk Quote
dvd Posted March 25, 2018 Posted March 25, 2018 Was just denied for BOA's cash rewards due to past history. I had a small charge off in 2006, which I paid in full, with included fees, a few months later. I'm still blacklisted 12 years later, lol. Sent from my LG-M150 using Tapatalk Did b of A own the debt when you paid? If so, you should recon. Sent from my iPad using Tapatalk Quote
tralston3838 Posted March 25, 2018 Posted March 25, 2018 Was just denied for BOA's cash rewards due to past history. I had a small charge off in 2006, which I paid in full, with included fees, a few months later. I'm still blacklisted 12 years later, lol. Sent from my LG-M150 using Tapatalk Did b of A own the debt when you paid? If so, you should recon. Sent from my iPad using Tapatalk Honestly, I have no idea. Early 20s and clueless on credit. I'm going to wait awhile until my reports are better. Sent from my LG-M150 using Tapatalk Quote
hegemony Posted March 25, 2018 Posted March 25, 2018 Was just denied for BOA's cash rewards due to past history. I had a small charge off in 2006, which I paid in full, with included fees, a few months later. I'm still blacklisted 12 years later, lol. Sent from my LG-M150 using Tapatalk interesting. I IIB a <1K balance with BOA and today sit with a 45k limit. Quote
tralston3838 Posted March 25, 2018 Posted March 25, 2018 Was just denied for BOA's cash rewards due to past history. I had a small charge off in 2006, which I paid in full, with included fees, a few months later. I'm still blacklisted 12 years later, lol. Sent from my LG-M150 using Tapatalk interesting. I IIB a <1K balance with BOA and today sit with a 45k limit. Mine was 1k, 1600-ish after fees. I assume they had sold the debt off, and I paid some jdb. When I applied for the cash rewards, I was hoping for the 99/500 secured offer. Got a denial letter referencing past history instead. I've had all my checking and savings with them for over 10 years now. Sent from my LG-M150 using Tapatalk Quote
monacho Posted March 26, 2018 Posted March 26, 2018 I got back in with Citi 3 months shy of 10 years from 2 cards IIB in December with a $1,000 best buy visa. Later they approved me for $4,000 on a costco visa. Amount IIB was roughly $20,000. Amex, Chase and BofA still all decline me. My last letter from BofA stated that I don't maintain high enough balances in accounts with them, and that my previous default (of more than 10 years ago) were reasons for their denial. B of A didn't even pull credit on me. Quote
trying2getbackin Posted April 2, 2018 Posted April 2, 2018 10 years after a CO with Amex (not BK) under $5000 I am still on their blacklist. Upside, no hard credit pull. (It is April fools day after all when I applied ) Had a CO with Chase also from around the same time, it was paid. I appear to be off their blacklist, but denied for too many new accounts (5/24 rule). Just as well... Don't give a f about Barclay or BofA. Cap 1 is very forgiving. Surprisingly so is Citi. I'll just stick to managing what I have for now. Burdell 1 Quote
muso Posted July 13, 2018 Posted July 13, 2018 (edited) Just to add another Chase data point... I had a charge off with Chase in 2010 - first delinquency was Jan, and charged off in July, for $8K. So, 10 oops, 8 years this month since the CO. My Exp report just had the last 2 derogs fall off and my FICO 8 went up to 758 (from 624), so I went to the Chase preapproval page - and got "sorry no offers." I thought I was SOL and still blacklisted, but I figgered since I had no inq.s I may as well try for the new Marriott card anyway. And so, boom - instant approval for $18K! Then I opened a different browser and app'd the Freedom card - boom, instant approval for $16K! on the same credit pull. So 10 years and I'm definitely off their blacklist, yay! An interesting note: When I set up my online account, it said they sent a confirmation email to a different address than the one I entered. They obscure it, like m***@g**.com I was like, "what's that about?" I finally figured out that it was an email address I haven't used for years... and it was the one I used to use for signing into that old Chase account 10 years ago! Luckily I was still able to sign into that email account. So, Chase did not forget... but apparently they forgave :-) Edited July 13, 2018 by muso Deepindebt2014 1 Quote
srloring13 Posted July 13, 2018 Posted July 13, 2018 Just to add another Chase data point... I had a charge off with Chase in 2010 - first delinquency was Jan, and charged off in July, for $8K. So, 10 years this month since the CO. My Exp report just had the last 2 derogs fall off and my FICO 8 went up to 758 (from 624), so I went to the Chase preapproval page - and got "sorry no offers." I thought I was SOL and still blacklisted, but I figgered since I had no inq.s I may as well try for the new Marriott card anyway. And so, boom - instant approval for $18K! Then I opened a different browser and app'd the Freedom card - boom, instant approval for $16K! on the same credit pull. So 10 years and I'm definitely off their blacklist, yay! An interesting note: When I set up my online account, it said they sent a confirmation email to a different address than the one I entered. They obscure it, like m***@g**.com I was like, "what's that about?" I finally figured out that it was an email address I haven't used for years... and it was the one I used to use for signing into that old Chase account 10 years ago! Luckily I was still able to sign into that email account. So, Chase did not forget... but apparently they forgave :-) 2010 or 2008? I believe its 8 years if the DOFD was 2010.Sent from my SM-N950U using Tapatalk Quote
muso Posted July 13, 2018 Posted July 13, 2018 2 minutes ago, srloring13 said: 2010 or 2008? I believe its 8 years if the DOFD was 2010. Sent from my SM-N950U using Tapatalk Oops, you are correct! It's early out here and I was still on my first cup of joe lol I'll fix it :-) thanks! Quote
muso Posted July 14, 2018 Posted July 14, 2018 11 hours ago, muso said: So 10 8 years and I'm definitely off their blacklist, yay! Fixed. Quote
shifter Posted October 2, 2018 Posted October 2, 2018 Bank CO IIB Other Info Amex 6 yrs settled 10 years 2 yrs if due to "too many applications within 12 months period" 8 yrs BofA 2 yrs settled 6 yrs Having other banking relationships in good standing may help 5 yrs Barclays 2 yrs 1 - >2 yrs BBVA Compass Forever unless PIF ? Capital One 6 mo 6 mo Chase 5.5 yrs 10 yrs Workaround: Use pre-qualify if no negs from Chase Citi (retail) 3 yrs ? Citi 7 yrs 2.5 yrs Cannot have IIB accounts still showing Discover 5 yrs 8.5 yrs CNFA/Firestone 8 yrs ? Forum CU forever ? GECRB 20 months ? HSBC 20 years ? Macy's ? 3 yrs NFCU Forever unless PIF Forever unless PIF Nordstrom (TD Bank) ? 0 - >2.5 yrs Prosper ? 4 yrs Sterling Jwlrs >6 yrs ? No reports of getting back in after CO Target Red Card (TD) 3-7 yrs 1yr USAA Forever Forever US Bank ? >2.5 years Freeze ARS with no USB negs showing may work * Dates are from CO date or BK filing **Dates are earliest reported back in with creditor - as with anything credit related YMMV Quote
shifter Posted July 19, 2019 Posted July 19, 2019 (edited) ^ Edited July 19, 2019 by shifter hegemony 1 Quote
randian Posted April 6, 2020 Posted April 6, 2020 I just applied for a BofA Premium Rewards card and wasn't instantly denied, which is good. It's "under review" though, which I usually don't come out well on. I IIBed BofA in 2011 so my BK will disappear next year. 770 FICO and I have Platinum Preferred status. Quote
hegemony Posted April 6, 2020 Posted April 6, 2020 1 hour ago, randian said: I just applied for a BofA Premium Rewards card and wasn't instantly denied, which is good. It's "under review" though, which I usually don't come out well on. I IIBed BofA in 2011 so my BK will disappear next year. 770 FICO and I have Platinum Preferred status. BOA was IIB and I was approved once my reports were clear of the PR. Quote
randian Posted April 6, 2020 Posted April 6, 2020 1 hour ago, hegemony said: BOA was IIB and I was approved once my reports were clear of the PR. Do you mean “clear of the BK”? So I should expect to be denied now and wait until next year when my BK disappears from my credit report? Quote
hegemony Posted April 6, 2020 Posted April 6, 2020 43 minutes ago, randian said: Do you mean “clear of the BK”? So I should expect to be denied now and wait until next year when my BK disappears from my credit report? my reports had no indication of the BK when I applied. FWIW, my BOA IIB account was under $2,000 so that may matter too. If you are denied, you can try to recon. good luck! Quote
althes Posted April 7, 2020 Posted April 7, 2020 Citi core is holding a grudge against me, been over 7 yrs. I got back into Citi retail easily. Quote
randian Posted April 7, 2020 Posted April 7, 2020 (edited) 2 hours ago, althes said: Citi core is holding a grudge against me, been over 7 yrs. I got back into Citi retail easily. I’ve heard both Chase and Citi are amenable to giving co-branded cards. I don’t know why that matters, they’re no less on the hook if you default. Edited April 7, 2020 by randian Quote
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