Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Cards
Profile Image

Question By
gerafuju88

0 Contributions
0 People Helped
Can I apply to the same credit card company when the chargeoff has been dropped from credit report?
Currently for Transunion my score is 644 and Equifax is 633.

I have two credit charge offs that were dropped from my credit report in 2016. One is my Chase - Student Credit card and HSBC Credit card from when I was in college. Out of curiosity, will I be approved if apply for a credit card with either Chase or HSBC with this history? Please advise. Thank you.

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
Top Contributor
311 Contributions
109 People Helped

Chase has a long memory and even though the CO's may be off your report Chase's internal records will possibly 'blacklist' you (denials). How long? No one really knows. For me it was 7 years after the CO I got back in with Chase. HSBC has similar responses.

Your scores are low...maybe Capital One would be a good place to start if you're rebuilding.

Result 1-1 of 1Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.