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Established Contributor
laboi_22
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
frogfan12
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
frogfan12
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
LS2982
Posts: 15,434
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




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Member
casi218
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 :smileywink: And yes I did call 3 times!! Thanks to the advice of my fellow myfico helpers :smileyhappy:

Established Contributor
jimbo831
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


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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

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

Did you give it a shot yet OP?



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
Eschaton
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. :smileyhappy: 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
SwiftTone
Posts: 1,026
Registered: ‎02-27-2012
0

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

Good luck man. 

BCE: $0/$11,200, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$12,500, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 734
EX FICO(AMEX) - 712
Valued Contributor
MsLadyRover
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. :smileyhappy: 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!)

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