The Master Blacklist Black List Thread – Work In Progress, Help Needed

[BobWang]

American Express = 2<x<= 6 yrs settled CO, 10 yrs (2 yrs if due to "Too many applications within a 12 month period")

BofA = 7-9.5 yrs

Barclays = 3.5 - 7 yrs

Capital One = 12 mths (CO) or > 9 yrs

Chase = 5.5-9.5 yrs

Citi = 3 yrs (Retail), 7 yrs (CO, YMMV), 10-18 yrs (IIB)

Credit One
Discover = 5 yrs

CFNA/Firestone = > 8 yrs

Forum CU = forever

GECRB = 2 yrs

HSBC = >20 yrs (7 yrs for Cap One)

NFCU = ∞ (Can be forgiven if full balance paid)

Target Red Card (TD Bank) = 3-7 yrs

TransUnion = "Forever" for too many daily pulls (Actually 1-2 years usually)

USAA = >17 yrs

Wells Fargo => 12 yrs

[djfan]

Capital One IIB 2012

 

- July 2013 MC (500 limit, now 1500 converted to Quicksilver). Capital One Retail (Furniture) $10,000 August 2013

 

GECRB IIB 2012 (Carecredit, Walmart)

 

- August 2013 Carecredit - low limit, but it works for a positive tradeline. I use it for Vet visits and pay it off.

 

Barclays IIB 2012 (Juniper card)

 

- February 2014 - Barclay card. Low limit, but hoping that will change with time.

 

I am wondering if American Express would consider me. They closed my accounts in 2008 after I had payed off my balances so they weren't included in BK7. Accounts were open since 1989. Any thoughts???

[BobWang]

American Express = 2<x<= 6 yrs settled CO, 10 yrs (2 yrs if due to "Too many applications within a 12 month period")

BofA = 7-9.5 yrs

Barclays = 2 - 7 yrs

Capital One = 12 mths (CO) or > 9 yrs

Chase = 5.5-9.5 yrs

Citi = 3 yrs (Retail), 7 yrs (CO, YMMV), 10-18 yrs (IIB)

Credit One
Discover = 5 yrs

CFNA/Firestone = > 8 yrs

Forum CU = forever

GECRB = 20 months

HSBC = >20 yrs (7 yrs for Cap One)

NFCU = ∞ (Can be forgiven if full balance paid)

Target Red Card (TD Bank) = 3-7 yrs

TransUnion = "Forever" for too many daily pulls (Actually 1-2 years usually)

USAA = >17 yrs

Wells Fargo => 12 yrs

[EarnIt]

Chase approved after 7 years. Had to call and explain circumstances of charge off.

[TX-Bluebonnet]

What about different departments/divisions within a company? For example, I defaulted on a US Bank recreational vehicle loan years ago, but may want a US Bank credit card some day.

[mizliz1011]

American Express = 10 yrs

Capital One > 9 yrs

Chase = 6 yrs

Citi = 10 yrs

Discover = 5 yrs

GECRB = 2yrs

is this if you settled with them or just if they were burned entirely...? I settled with Cap one (Portfolio Recovery) Citi and Discover (Direct Pay but settled), chase sold my accts to a CA - so could you fill me in on this? thanks so much.

[mizliz1011]

Paid amex off in full although I have a lousy EX score... If paid in full and you have adequate cash reserves- it is based on your score and income or do they go back to 2008 even though they were paid in full and offered me another card at that time (silly me)?

[Hey Jude]

 

I am wondering if American Express would consider me. They closed my accounts in 2008 after I had payed off my balances so they weren't included in BK7. Accounts were open since 1989. Any thoughts??

 

Amex is not a bankruptcy friendly creditor, therefore it is very unlikely that you would receive an approval with a bankruptcy showing on your reports. However, after your bankruptcy is removed, or sufficiently aged --- if there is on your credit report, I can't image AMEX would not welcome you back to the fold, if your credit report warrants an approval.

[djfan]

 

 

Amex is not a bankruptcy friendly creditor, therefore it is very unlikely that you would receive an approval with a bankruptcy showing on your reports. However, after your bankruptcy is removed, or sufficiently aged --- if there is on your credit report, I can't image AMEX would not welcome you back to the fold, if your credit report warrants an approval.

 

 

Thanks. I am not in a hurry. I just wondered. As I said, I never burned them. I had 19 years of good payment history with them before they closed my accounts. I would love to get that age on my reports again at some point. How many years is sufficiently aged?

Edited June 4, 2014 by djfan

[HoustonLynne]

This certainly doesn't change the parameters already listed, but I just cleared one of my hurdles off this list.

 

$11.4K IIB ('99) MBNA shifted to BofA. I'd been afraid to app with them, but I put on my Big Girl Panties and did it.

 

Approved for $10K today. BUT...the old account did come up in a cryptic sorta way.

 

I have an extended FA on all three CRAs, and I have to call them to get the app processed. I called the BofA UW (Spanish-speaking#) and she processed the app.

 

But she slid in a question at the end after she'd already said they were approving me -- it almost sounded like another screen popped up and surprised her. LOL

 

She asked if I'd ever run into any "financial trouble in the past" that might have required me to file BK -- I said, "Yep...I had a BK in '99." And she said okey dokey!

[BobWang]

You can run,

 

but you can't hide.

[HoustonLynne]

Maybe it's their version of an Integrity Test...!

 

I passed! (I've been studying for it.)

[chugs102]

This certainly doesn't change the parameters already listed, but I just cleared one of my hurdles off this list.

 

$11.4K IIB ('99) MBNA shifted to BofA. I'd been afraid to app with them, but I put on my Big Girl Panties and did it.

 

 

A nasty image just flashed through and seared my mind.

[HoustonLynne]

This certainly doesn't change the parameters already listed, but I just cleared one of my hurdles off this list.

 

$11.4K IIB ('99) MBNA shifted to BofA. I'd been afraid to app with them, but I put on my Big Girl Panties and did it.

A nasty image just flashed through and seared my mind.

I'm sure whatever it was that you saw in this flash of horror...I don't own any.

[getsome]

There is hope at the end of the rainbow for those that are patient with the BL....

 

Chase and Citi, both with DOLA around 6/2006, both went to CA (unpaid)... Been trying both about every six months for the last year and a half. Declined every time for "Delinquency or other derogatory relationship with our bank", but not this month.

 

Citi (Thank You Pref) approved for 6.6K

Chase (Southwest) approved for 20K [matches my highest CL]

[dockfam]

Had Amex green card approximately 10 yrs ago. Went to CO status, been off my reports for a while. they soft me almost monthly so I apped for a BCE and it said denied due to Amex closing my previous account. Guess that is a no. Why are they softing me every month??

[plumbingwife]

DH is still blacklisted by Chase from a Providian paid CO from 9 years ago. Even though I was an AU, I got a 6.5k SW Visa through them three years ago. Was my first real card.

[shifter]

has he tried calling Chase recon?

[dvd]

Paid amex off in full although I have a lousy EX score... If paid in full and you have adequate cash reserves- it is based on your score and income or do they go back to 2008 even though they were paid in full and offered me another card at that time (silly me)?

 

You should call them and if you can get the Oasis card.

 

 

Sent from my iPad using Tapatalk HD

[dvd]

 

American Express = 10 yrs

Capital One > 9 yrs

Chase = 6 yrs

Citi = 10 yrs

Discover = 5 yrs

GECRB = 2yrs

is this if you settled with them or just if they were burned entirely...? I settled with Cap one (Portfolio Recovery) Citi and Discover (Direct Pay but settled), chase sold my accts to a CA - so could you fill me in on this? thanks so much.

 

If Chase sold the account then there is no way of paying them back and pay the JDB won't do you any good with Chase.

 

 

Sent from my iPad using Tapatalk HD

[dvd]

Question for those who got a Chase Card after BK or CO them:

 

What was the CO amount with them

When you recon them did they ask you to explain the loss and what did you say?

What was your credit profile like at the time of application.

[EarnIt]

Question for those who got a Chase Card after BK or CO them:

 

What was the CO amount with them ... 10K. I settled in 09.

When you recon them did they ask you to explain the loss and what did you say? they asked. tell the truth.

What was your credit profile like at the time of application. Scores are 765 to 795. Clean reports

Edited July 9, 2014 by EarnIt

[chugs102]

Question for those who got a Chase Card after BK or CO them:

 

What was the CO amount with them

When you recon them did they ask you to explain the loss and what did you say?

What was your credit profile like at the time of application.

 

BK Chase for $7K, FirstUSA $22K

They finally let me back in at 9.5 yrs after BK7 with a Chase IHG card, $14K limit. A month later, Chase approved me for another card but only by re-allocating limits. They declined my subsequent CLI requests.

Profile: TU clean 780, EQ clean 730, EX with BK notation 730. Income in solid 6 figures. 2% util on revolvers.

[HoustonLynne]

Question for those who got a Chase Card after BK or CO them:

 

What was the CO amount with them

When you recon them did they ask you to explain the loss and what did you say?

What was your credit profile like at the time of application.

For additional data, I was denied by Chase last week, although they were seriously considering the application.

 

I lost out because they were nervous about my many BRAND new accounts. I had 6 new ones within 60 days.

 

They inherited a 2005 CO for $9K (unpaid) by way of Providian (through WaMu) to Chase.

 

They asked about it. Also asked about why I had no significant revolving history on my reports prior to 12/2013.

 

I was honest...without telling them more than they needed to know. Of course I put it in the best light possible, but I took full responsibility.

 

When asked why I had a huge influx of new credit, I explained that I'd gone cash-only for several years but realized it was hindering future

home-buying plans. So I mapped out a plan to remedy. All true. I just didn't have to tell them all the dirty details about my clean-up process.

 

She told me not to be discouraged and to let my new accounts age a while, and then I should reapply in 6-12 months. They hit me on EX

and EQ -- FICOs are in the 770-790 range on both. I learned that I'll need to have a VERY strong profile to get in, so I'll plan accordingly.

[amandal0514]

Finally off of Barclay's BL...denied in March because of my $8k charge off with them from 2008 (backdoor phone call confirmed that to be the only reason).

 

Approved instantly today for the Arrival MC $7,500!

 

Guess they just needed to see some use on my current cards.