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how long do credit card companies keep a list of people who defaulted with them?

my credit score improved a bit and I got a pre approval letter from TOTAL VISA credit card, whom I defaulted with about 3 years ago. Isit possible they forgot that and will now approve me?

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  • 9 months ago
    Favorite Answer

    It is possible that they forgot OR that they will approve you, but not both.

    They cannot approve you without checking your credit report, and checking your credit report will tell them if you defaulted with any credit card companies (not just them) at any time in the last 7 years.

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  • Anonymous
    9 months ago

    .........................

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  • 9 months ago

    Forever man. Unless you pay the debt

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  • Trish
    Lv 5
    9 months ago

    Eleven years. With the credit card company

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  • 9 months ago

    Check your credit report. I'm betting that it's listed there as a debt.

    And note that credit card companies send out millions of pre-approved letters to people, but that doesn't mean you will actually get approved.

    I work with people trying to fix their credit. I get a laugh at all of these pre-approved letters they receive when they are already thinking about bankruptcy.

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  • Anonymous
    9 months ago

    I would think they would have to be idiots to trust you again.

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  • audrey
    Lv 7
    9 months ago

    Just go ahead and apply. That's the only way you'll know for sure.

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  • Pearl
    Lv 7
    9 months ago

    you need to ask your credit card company this question

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  • Anonymous
    9 months ago

    Not preapproved. They did not forget anything. You just showed up on a preapproved list. So did my Cat.

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  • 9 months ago

    Forever. Records are digital nowadays.

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