BetrCred Posted May 18, 2024 Posted May 18, 2024 Is there a list of banks that will forgive your credit past with them? What types of negative credit to they forgive? repayment in full? settlement offers, etc. Thank you Quote
TheVig Posted May 18, 2024 Posted May 18, 2024 Most will eventually forgive. Some have very long or permanent memory of past transgressions. With that said, years ago, I burned the the who's who of card issuers. Eventually I have gotten back in with all of them, and them some. Not one penny was ever repaid. Not proud of that though. Who have you burned? How long has it been since you burned them? What is reporting on your credit reports, if any thing? A little more detail and we can maybe give you a ballpark if you have a chance, or what you need to do to have a chance. MP80, greendeh and Allkindabroke 1 2 Quote
ShawnPY1972 Posted May 22, 2024 Posted May 22, 2024 On 5/18/2024 at 1:22 PM, BetrCred said: Is there a list of banks that will forgive your credit past with them? What types of negative credit to they forgive? repayment in full? settlement offers, etc. Thank you American Express has a very long memory and will forgive with payment in full. I don't know if Amex still offers it but they had a program called Oasis and if you stick to the agreement you make with the Oasis department they give you an optima card upon the last payment in full with no qualification. Quote
hegemony Posted May 23, 2024 Posted May 23, 2024 explain the type of past you're dealing with. MP80 and TheVig 1 1 Quote
shifter Posted July 9, 2024 Posted July 9, 2024 Seek out the Master Blacklist thread for more info on who doesn't forgive. laynlow, hegemony, dvd and 1 other 3 1 Quote
MP80 Posted July 20, 2024 Posted July 20, 2024 (edited) On 5/18/2024 at 1:22 PM, BetrCred said: Is there a list of banks that will forgive your credit past with them? What types of negative credit to they forgive? repayment in full? settlement offers, etc. Thank you Maybe you can find good information from this main thread topic which provides you with some insights and answers.... Edited July 20, 2024 by MP80 hegemony 1 Quote
TampaDude Posted July 20, 2024 Posted July 20, 2024 On 5/18/2024 at 4:22 PM, BetrCred said: Is there a list of banks that will forgive your credit past with them? What types of negative credit to they forgive? repayment in full? settlement offers, etc. Thank you Probably the most forgiving issuer, IMHO, is CapOne. They approved me for a $2K QS1 in 2015 when I still had an unpaid CO from them on my reports. Amex let my wife back in after 8 years, and she had burned them for over $7K and never paid them back. Credit Unions generally blacklist forever unless you pay them back in full. hegemony and MarvBear 1 1 Quote
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