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Discussion in 'Credit Talk' started by Jenny, Oct 8, 2000.
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Capital One has been known to do this. I don't know about Providian.
Try giving them a call and explain your situation, a gentleman customer of mine mentioned that Cap1 did this for him so they may be able to help you out. Good luck!!
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Re-establish Providian Account
I have the same question regarding Providian. I have a credit card that has been closed but does not list as charged off yet on my Equifax report. I want to pay off the debt and either have them delete it from my file or re-establish the account.
I also think that Cap One will re-establish your account. I did get a letter from them a while back regarding do this with my account. Post and let us know how you make out.
RE: Re-establish Providian Acc
Others, far wiser than me, have previously brought up another point about this issue. If you re-establish credit, your credit record can still reflect your late payments, chargeoff, etc.
In fact, Providian or Capital One has a strong motivation not to delete anything: if your credit record is bad, you're less likely to switch to another card.