Reply
Member
Posts: 16
Registered: ‎03-06-2011
0

Approved for Chase Health Advance!!

I don't know if this is the right forum!  I just had to tell someone though!   CareCredit has always denied me.   Actually GEMB just doesn't like me in general, they have never approved me for any of their products, but I assume its probably that they just really don't like collections.  On EQ I have 3 small collections, and 2 on TU, both a couple of years old, the total for all 3 is $183.  On EX I don't have any collections, only positive accounts, though my oldest account is my last auto loan and it is only a little over 2 yrs 2 months old.  Thanks to this forum, today I found out about Chase Health Advance, and that they pull EX so I went for it because both my wife and I need dental work.  We have insurance but we wont be fully covered on it until August (late entrant), and I need a root canal.

 

I got an instant approval for $9,000! :smileyvery-happy:

 

I know there are some discrepancies about how this reports to the credit bureaus, but for now I don't mind.  We really needed this account, so I am very happy! :smileyhappy:  Our insurance is really wacko and covered some of my wifes work late last year but wouldnt cover anything for me, which is just weird because the insurance is through my job.  I'm going to have the dental office run everything through my insurance first and then the remainder can go on the Chase account.

 

Anyway I just wanted to thank everyone here for all the helpful information!  Done applying now for at least year.

Established Contributor
Posts: 736
Registered: ‎07-07-2010
0

Re: Approved for Chase Health Advance!!

Sounds like you should try a different doctor or examine the way they are presenting this to your insurance. Good luck and congrats

__________________________
01/11/2011: FICO:TU: 746
12/14/2010: FICO:EQ: 744
08/12/2011: FICO:EXP: 766
Epic Contributor
Posts: 23,784
Registered: ‎10-23-2007
0

Re: Approved for Chase Health Advance!!

What is your score?

Fico Scores: EQ- 662., TU 684 Barclay, EX 700 (3/21/15)

You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
72 Cards and Counting :smileytongue:
Member
Posts: 16
Registered: ‎03-06-2011
0

Re: Approved for Chase Health Advance!!

[ Edited ]

Thanks!

 

I am unsure what my EX FICO is, but according to CCT my EX Plus score is currently 712.  I just did my daily pull and they did only check Experian.  Here is my background on EX:

 

All accounts are current and have always been so, listed from oldest to newest:

 

Auto Loan, opened 2/2009, for $9,000 - $2,000 remaining according to report

First Premier CC - opened 12/2009, CL $350, $130 balance reporting

Capital One CC - opened 6/2010, CL $500, $0 balance reporting

Orchard Bank CC - opened 7/2010, CL 300, $100 balance reporting

CarMax AutoFinance - opened 4/2011, for $29,000, payments have not begun yet.

 

and I had 11 inquiries when they pulled (partially due to auto loan apps).

 

I was kind of surprised at the approval, with the new car loan reporting and the amount of inquiries!  Anyway, hope this info helps someone in their decision to apply/not apply.

 

 

 

New Contributor
Posts: 163
Registered: ‎03-04-2010
0

Re: Approved for Chase Health Advance!!

That's wonderful! I was denied for CareCredit when I was interested in having Gastric Bypass. Turns out my HMO covers it 99.9%! I just had to pay a $15 copay. I'm so glad I was denied lol. 

TU FICO - 752 (8/12/11)
EX PLUS - 721 (8/9/11)
EQ FICO - 648 (2010)

(21 years old)
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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.