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Chase Freedom -- denied, APPROVED AFTER RECON!

Regular Contributor

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 Smiley Happy 

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

Gardening since 03/2012
Experian score: 752 (6/2014)
Message 31 of 52
Valued Contributor

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!)

Take the FICO Fitness Challenge
Message 32 of 52
Established Contributor

Re: Chase Freedom -- APPROVED AFTER RECON

Good for you! Congrats Smiley Very Happy

Message 33 of 52
Established Contributor

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%.



Message 34 of 52
Blogger

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 Smiley Happy 


It's a start.

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


Congratulations!

Follow my financial journey: http://www.frugalrican.com


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)

Message 35 of 52
Mega Contributor

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 Smiley Happy 


Big Congrats Eschaton!!!!!!!




EQ FICO 548 3/3/16
Message 36 of 52
Valued Member

Re: Chase Freedom -- APPROVED AFTER RECON

Yay! Glad it worked out for you Smiley Happy

Message 37 of 52
Established Contributor

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 Smiley Happy 


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


Take the FICO Fitness Challenge
Message 38 of 52
New Contributor

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 Smiley Happy

Message 39 of 52
Frequent Contributor

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 Smiley Sad

Message 40 of 52