Apparently I do and am considering getting it. So, I recently came across an ad for a Walmart Store Card via Capital One and used their pre approval form to see if I qualify. After some time paying a car loan I guess I managed to bring score back up and I was blessed and offered a second chance by cap one(Capital One Platinum) and Discover (Secured IT) card in May/June 2022 (thanks in part to you guys! =) ).įYI my Discover card has since been upgraded to a non secured card and my credit has increased to 600-700 range. 2 cards were closed (cap one and bank of america). If they are not keeping the appropriate and legal paperwork, they are not allowed to list that account on your reports.Įnjoy the Wiki? Join the community in our main reddit!Īfter some bad personal choices my credit was in "poor" range for a few years. They are required to keep records that allow them to list that negative information on your report.
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