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
MSN2015

0 Contributions
0 People Helped
When (if ever) can I re-apply for the same credit card I had in that past that went to collection?
I spent years trying to pay off my debts (credit card, auto, and student loan), but ultimately I had to en-roll in a debt forgiveness program to settle my debts, so I could go to graduate school. One of the credit cards I had (that I absolutely loved) was the Upromise MasterCard which applied my cash back directly to my student loan payment every month. Unfortunately, this had to go to charge of/collection when I enrolled in the debt forgiveness program. Now that I am finished graduate school and gainfully employed, I would love to re-apply for this card, especially since my student loan payments are higher than ever. How long do I have to wait to re-apply for the same credit card I had in the past that went to collections? Will I ever be approved again by that creditor?

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.