Credit cards after you rebuild your credit.

[TkAllDay]

Relatively new here, I have the basic process of credit repair down but I have a question regarding the credit companies. Assume a person has a delinquent account or charge off with credit card company XYZ. They dispute it with all 3 CRA's and have that report deleted. They have a great credit score and go to apply for a credit card at XYZ credit company, isn't the record of that deliquent account still on file? Basically I am cleaning up my credit and once all of these items are deleted off my credit report and I rebuild my score I am wondering how I am going to get a credit card or if I can apply at some of my old companies. I'm sorry if I have completely misunderstood the process or the way things work but I don't see why or how this company would give me a credit card knowing that there was a negative account in the past. Thanks in advance.

[JeremyKean]

If the account is deleted there is no way for the new credit issuer to see that you had any issues in the past.

[TkAllDay]

Yes but just because it is deleted with the CRA doesn't mean the credit card company has deleted it. The account is still on their books. Am I wrong or does the account get deleted by the CC company as well when you dispute something?

[chane]

Most of them would have a record of it. I wouldn't apply at a place you screwed over, that's just common sense and a waste of an inquiry.

[JeremyKean]

Good advice Chane! The CRA's are supposed to delete permanetly and if the creditor wants to add back to credit report the FDCPA requires a 5 day notice to you before it is added back