08-16-2012 05:30 PM
08-16-2012 06:54 PM
08-16-2012 08:14 PM
08-17-2012 06:30 AM
I have applied to chase freedom (FICO 668) online and got a "decision pending" message. I called the number mentioned in this thread. They told me that it is denied because one of my badies (CO, which i paid in full) is only a year ago. The Rep on the phone told me that if the badies are 3 to 4 years old then they might have approved.
After that i applied Amex Zync, and i was approved. I had an Amex blue 7 years ago which was closed due to late paments and i have PIF when the account was closed. The reason i took risk of applying Zync was that i may be backdated. I read on this forum that Amex may back date the card.
08-17-2012 06:56 AM
I had two baddies when I got approved for Chase on Recon; however, one baddie was removed and one was disputed shortly after my approval with Chase, and they were from '09 - the two accounts in question were actually not mine; both were fraud.
IMO, I'd work on trying to get the CO removed via dispute, or at least get that "acct info disputed by consumer" on your CR so that any potential creditors can see that you dispute it.
All it takes is talking to the right person to get APPROVED! :-)
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.