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Regular Contributor
Posts: 106
Registered: ‎02-08-2012
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Re: Chase Freedom -- APPROVED AFTER RECON

Just got off the phone with another rep, he immediately put me on hold after the verification questions and said he saw I only have that one revolving account, after about 2 minute holding I was approved for a $500 CL. Rather low, but I'm not complaining!!!

 

THANKS FOR YOUR SUGGESTIONS GUYS!

 

I love this board, so helpful :smileyhappy: 

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

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Re: Chase Freedom -- APPROVED AFTER RECON

CONGRATULATIONS!



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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Re: Chase Freedom -- APPROVED AFTER RECON

Good for you! Congrats :smileyvery-happy:

Established Contributor
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Re: Chase Freedom -- APPROVED AFTER RECON

Yay!!!! Congrats!!!! You just got yourself a great card.

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



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Re: Chase Freedom -- APPROVED AFTER RECON


Eschaton wrote:

Just got off the phone with another rep, he immediately put me on hold after the verification questions and said he saw I only have that one revolving account, after about 2 minute holding I was approved for a $500 CL. Rather low, but I'm not complaining!!!

 

THANKS FOR YOUR SUGGESTIONS GUYS!

 

I love this board, so helpful :smileyhappy: 


It's a start.

See, not so terrible to call a second time :smileyhappy: And you didn't even get the dreaded "no".


Congratulations!

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EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

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Re: Chase Freedom -- APPROVED AFTER RECON


Eschaton wrote:

Just got off the phone with another rep, he immediately put me on hold after the verification questions and said he saw I only have that one revolving account, after about 2 minute holding I was approved for a $500 CL. Rather low, but I'm not complaining!!!

 

THANKS FOR YOUR SUGGESTIONS GUYS!

 

I love this board, so helpful :smileyhappy: 


Big Congrats Eschaton!!!!!!!




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
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Re: Chase Freedom -- APPROVED AFTER RECON

Yay! Glad it worked out for you :smileyhappy:

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Registered: ‎02-08-2012
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Re: Chase Freedom -- APPROVED AFTER RECON


Eschaton wrote:

Just got off the phone with another rep, he immediately put me on hold after the verification questions and said he saw I only have that one revolving account, after about 2 minute holding I was approved for a $500 CL. Rather low, but I'm not complaining!!!

 

THANKS FOR YOUR SUGGESTIONS GUYS!

 

I love this board, so helpful :smileyhappy: 


That is awesome!  Congrats!

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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Registered: ‎01-27-2012
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Re: Chase Freedom -- APPROVED AFTER RECON

congrats!  now you can request the special cash back offer ( $300  after first $500 spent)   send the request thru the secure message center once you set up you online acct.  they will be happy to oblige :smileyhappy:

Frequent Contributor
Posts: 288
Registered: ‎02-06-2012
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Re: Chase Freedom -- denied, APPROVED AFTER 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.


 Chase is all over the place it seems. I had 2 INQ that Citi and BoA reported 1 day before i apped for a Freedom when i went on an application spree. They said nothing to me. Your balances arent high either. Its like they made up reasoning to deny you :smileysad:

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