Obtaining Credit Card From Same Lendor After Bad History

Guest: kunderian
Post subject: Obtaining Credit Card From Same Lendor After Bad History
Posted: Tue Jun 14, 2005 6:31 pm

Hi, when I was younger, I was very irresponsible with money. I had a number of charged off accounts almost 10 years ago. I have slowly built up my credit again and my score is around 700. I know that the SOL on the collection of the charged off accounts has passed, but I was wondering if I would be able to establish another line of credit with the same companies again. Do they still keep an internal record of charged off accounts past the SOL? The charged off accounts came from Chase, Discover, and AMEX.

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Guest: Shawnee
Post subject: Obtaining Credit Card From Same Lendor After Bad History
Posted: Tue Jun 14, 2005 8:07 pm

I don't know about Chase or Discover, but do yourself a favor and don't waste an inquiry with AMEX. They have internal data bases going back more than twenty years, and if you have ever stiffed them, they will not approve a new account until you pay your old account and wait a year.

Guest: Alexis Rios
Post subject: Obtaining Credit Card From Same Lendor After Bad History
Posted: Tue Jun 14, 2005 8:31 pm

Try citibank or MBNA

Guest: guessindigo
Post subject: Obtaining Credit Card From Same Lendor After Bad History
Posted: Tue Jun 14, 2005 10:09 pm

If you CO'd on creditors, once it falls off, most if not all will let you have a account again.

If you included creditors in BK, chances are most will blacklist you.

AMEX is the lone exception. If you CO or BK with them, they'll demand to be paid before allowing you to carry their card again. + wat 1 year

Known blacklisters: Discover, Citi, MBNA, Sears, Providian, and of course AMEX