Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 634
Registered: ‎07-07-2011
0

Re: Chase Freedom -- denied, worth a recon?

Just make sure you are calling the actual backdoor number. I would almost be tempted to tell you to ask for a Supervisor or Senior Credit Analyst. To chime in on what the others are saying...who cares what they think or how many times they say No...keep calling. I got approved for a Freedom with way less credit score and AAOA of 6 months! Took me 3 times/maybe four calling in to speak with senior people!!! Like I said don't waist a good HP when you have a very VERY good recon shot!

Current Scores: EX - 728 FICO (5/11/13) TU - 771 FICO (7/02/13) EQ ??

Current Cards: Chase Freedom $5,000, CSP $5,700, BofA Visa Signature $15,000, AMEX BCE $6,000, Walmart $4,150, Gap Visa $10,000, JC Penny $5,800, Lowes $8,500, Dillard's AMEX $8,000, AMEX Hilton HHonors - $2,000, Chase United $12,000, Citi AAdvantage & Simplicity $6,000/$6,000, SPG AMEX $1,000
Established Contributor
Posts: 872
Registered: ‎10-16-2010
0

Re: Chase Freedom -- denied, worth a recon?


Eschaton wrote:

Hi guys, I just got denied by Chase Freedom, I thought I'd apply because of all the success I've seen lately.

 

I was denied for: 

 

Length of time on accounts that have been established (1 year 3 months)

Too many inquiries in the last 12 months (2, 1 from a credit union to open an account and one from Amex)

Balances too high compared to credit limites (20% utilization)

 

My question is, is it worth trying to recon this? I kind of expected the denial because my low history

 

They pulled EX and said my score was 728.


Boo Chase, that's ridiculous if you ask me. And exactly why I'm done forking my pennies over to them.


Starting Score: 760
Current Score: 716 Equifax 754 TU 736 Experian
Goal Score: 760
Established Contributor
Posts: 872
Registered: ‎10-16-2010
0

Re: Chase Freedom -- denied, worth a recon?


LS2982 wrote:

Eschaton wrote:

I don't mind those letters, I usually just toss them anyways. I really wanted to get a second card started so I can have at least 2 cards to help with my AAoA later on. But I really don't want any more hard inquires on my EX. Seems like no one pulls EQ or TU :/


Try for a GE store account (JCP, Old Navy) they primarily pull TU.


I agree! GE is easier to get in with and your CLs will grow without the need for HPs. Try them out!


Starting Score: 760
Current Score: 716 Equifax 754 TU 736 Experian
Goal Score: 760
Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: Chase Freedom -- denied, worth a recon?


laboi_22 wrote:

Just make sure you are calling the actual backdoor number. I would almost be tempted to tell you to ask for a Supervisor or Senior Credit Analyst. To chime in on what the others are saying...who cares what they think or how many times they say No...keep calling. I got approved for a Freedom with way less credit score and AAOA of 6 months! Took me 3 times/maybe four calling in to speak with senior people!!! Like I said don't waist a good HP when you have a very VERY good recon shot!


+1




EQ FICO 548 3/3/16
Valued Member
Posts: 46
Registered: ‎09-26-2009
0

Re: Chase Freedom -- denied, worth a recon?

Here is the number I called and got an approval from. Don't know if it is the "go to" for backdoor number but it worked for me! 1-888-270-2127. Hope this helps Smiley Wink And yes I did call 3 times!! Thanks to the advice of my fellow myfico helpers Smiley Happy

Established Contributor
Posts: 977
Registered: ‎02-08-2012
0

Re: Chase Freedom -- denied, worth a recon?


Eschaton wrote:

Hi guys, I just got denied by Chase Freedom, I thought I'd apply because of all the success I've seen lately.

 

I was denied for: 

 

Length of time on accounts that have been established (1 year 3 months)

Too many inquiries in the last 12 months (2, 1 from a credit union to open an account and one from Amex)

Balances too high compared to credit limites (20% utilization)

 

My question is, is it worth trying to recon this? I kind of expected the denial because my low history

 

They pulled EX and said my score was 728.


This is so odd to me.  For me, I had about 20 inquiries (most were for an auto loan in January, but at least 3 otherwise), AAoA was 8 months and my score was a 707.  I don't understand wh you would not qualify if I did.  It only took me one recon, and the guy almost instantly approved me after looking at my report.  My utilization was only 1%, but 20% isn't that high.  Sometimes it seems like these people just randomly throw a dart at a board to make their decision.

Gardening with: PSECU Combo $1k, Chase Freedom $3.5k, Discover It $1.7k, Amex Costco True Earnings $2k, Capital One Platinum $500, Best Buy Store Card $2.7k

Starting Score: FICO: 587 EX, 594 EQ, 632 TU, 2/15/12; USAA FAKO: 525 EX, 541 EQ, 525 TU, 2/15/12
Current Score: FICO: 678 EX, 629 EQ, 658 TU, 3/27/12; USAA FAKO: 721 EX, 721 EQ, 576 TU, 3/9/12
Goal Score: 700 Across the Board and Amex Zync or Costco By The End Of 2012


Take the FICO Fitness Challenge
Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: Chase Freedom -- denied, worth a recon?

Did you give it a shot yet OP?



EQ FICO 548 3/3/16
Regular Contributor
Posts: 106
Registered: ‎02-08-2012
0

Re: Chase Freedom -- denied, worth a recon?


LS2982 wrote:
Did you give it a shot yet OP?

Not yet, I just got home right now and got the computer up and running. Smiley Happy But I will be calling shortly to let you guys know of the outcome

Capital One Journey (12/2010) | Chase Freedom (03/2012) | American Express Zync (03/2012)

Gardening since 03/2012
Experian score: 752 (6/2014)
Established Contributor
Posts: 1,048
Registered: ‎02-27-2012
0

Re: Chase Freedom -- denied, worth a recon?

Good luck man. 

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Valued Contributor
Posts: 2,829
Registered: ‎03-14-2012
0

Re: Chase Freedom -- denied, worth a recon?


Eschaton wrote:

LS2982 wrote:
Did you give it a shot yet OP?

Not yet, I just got home right now and got the computer up and running. Smiley Happy But I will be calling shortly to let you guys know of the outcome



GOOD LUCK!!!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.