Credit Card Center Advertiser Disclosure†
04-02-2013 04:42 PM
I applied for Chase Freedom online today after I got an invitation in the mail a month ago.
I got the message that tells me to wait 7-10 days while they reviewed the application,
I immediately found the backdoor # for Chase (1-888-270-2127) from this forum..(THANKS myfico)
and got to a woman who immediately helped me reviewed my application.
At first, she asked me about my one other card having high balance, so i told her i just paid it down and checked my equifax that it showed new balance.
So then she went back and checked and verified that..
but then she told me that she's unable to approve my application because I have an extended fraud alert on my credit report, and because there's no phone # attached to my report, she's not able to do anything.
So I immediately called Equlfax and got the info on what needed to be done to remove the fraud alert, off to USPS and sent them via priority.
I just hope they remove it soon enough maybe in 1-2 weeks, then I can call the # again and ask them to reconsider my application.
I just hate how primitive the process is approve someone or to remove something like fraud alert in today's world with all the technologies available.
04-02-2013 04:46 PM
04-02-2013 04:47 PM - edited 04-02-2013 04:59 PM
04-02-2013 05:08 PM
I just thought of something.
I bank with Chase so could they possibly use my checking and saving account # that are in my name, and SSN, get the phone # from there, and call me to verify the credit report? or is it considered different divisions and are not to be mixed?
Please let me know what you think for those who were in this situation? would that work?
04-02-2013 05:14 PM
04-02-2013 05:15 PM - edited 04-02-2013 05:16 PM
Nevermind, Just called them and got another nice lady on the line.
She told me that the relationship of banking with Chase won't help me verify that info.. she had to call the number that is shown from credit report directly.
She did say that the application can be reconsidered within 30 days from today, and that she won't need a phone number without the fraud alert on my application. So finger crossed that my fraud alert is removed before then so I can get a RECON on it!
04-02-2013 06:04 PM
04-02-2013 06:36 PM
I applied for the Chase Freedom on 03/25 and after I applied i was told to call so I did and the young lady told me to fax a copy of my DL and SS card for verification and I did that first thing on 03/26 I have been calling them since the 26th every day and every time I call they tell me it's being reviewed and it could take 30 days for a decision etc... I have no idea what this means I hope i dont have to wait this long for a denial ;/
04-02-2013 06:49 PM
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.