June 5th, 2010 
Xionwind asked:
Hi I am in the process of rebuilding my credit. I have two major CC;s and three store charge cards all in good standing. A major incident over 12 years ago caused damage to my credit and I began rebuilding two years ago. Sears and Chase bank were two accounts that had been charged off but are no longer showing on my credit report. If I were to apply for credit with Sears or Chase would I automatically be declined due to these past accounts and the charge offs?
Ben
Hi I am in the process of rebuilding my credit. I have two major CC;s and three store charge cards all in good standing. A major incident over 12 years ago caused damage to my credit and I began rebuilding two years ago. Sears and Chase bank were two accounts that had been charged off but are no longer showing on my credit report. If I were to apply for credit with Sears or Chase would I automatically be declined due to these past accounts and the charge offs?
Ben
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