MadPhrozenSpork
New Member
I was declined for a Capital One card, and the reason given was a prior charged-off account from a few years ago. That account has since been paid in full. Is it possible to have this decision reconsidered?
Can I get reconsidered for a Capital One card after a paid charge-off?
- Thread starter MadPhrozenSpork
- Start date
sporocean7
New Member
How might we approach clearing a charged off entry from a credit history, considering its potential impact?
What are the possibilities with the Capital One “journey card,” which begins with a modest limit but offers a pathway to growth through consistent, responsible use?
What are the possibilities with the Capital One “journey card,” which begins with a modest limit but offers a pathway to growth through consistent, responsible use?
QuantumOtter
New Member
You can also consider other banks besides Capital One. They are not the only option for secured credit cards.
billiamwallacefruits
New Member
Pay the charge off in full. It still affects your approval. Get the account updated with credit bureaus and the creditor. I would remove it from the credit file.
Check your time frame. Request reconsideration from Capital One. Show proof the debt is paid. Highlight any positive changes since then.
Until updated or removed, the charge off will impact decisions.
Check your time frame. Request reconsideration from Capital One. Show proof the debt is paid. Highlight any positive changes since then.
Until updated or removed, the charge off will impact decisions.