Blacklisted by Chase?

[Anonymous]

Hi everyone,

I have posted on these forums asking for your advice regarding the possiblity of being blacklisted by Chase. Just a little recap. It was a 150 dollars overdraft on a checking account I had with them in college. I never paid it and I would like to get a credit card with cahse. It is no longer recored in checkstystems as I have obtrained my report and it is not listed. I now have a BOA checking account.

On to the new, I recived a preqalified offer in the mail(before opting out of get a medical collection removed fom my account. I'd like to recieve offer but haven't' after opting in. But that is an differnt issue entirely) from Chase for the Freedon Unlimted.  I acutally want the regular Chase Freedom instead because I plan on getting the Captial One Quicksliver due to the no foreign transaction fees. I figured it would be good to have it if I were to ever go outside the country. Do you all think this is a good sign that I may not longer be blackilsted by Chase, if I ever was?  I'm really thinkning about applying and risking a HP.

[Anonymous]

Did you try to prequilfy on Chase website?😶

[Anonymous]

Could just be marketing. How long ago was the overdraft?

[Anonymous]

Also how does fico scores look?how many inquiry s in past 24mo.?

[Creditplz]

You could still be approved I left a $620 balance or so on my checking account but paid it a few months before and was approved, IF you'd like to pay it you can call 877-287-7303 , it's the Chase recovery department. You can even set up payments if you'd like.

[longtimelurker]

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@Creditplz wrote:

You could still be approved I left a $620 balance or so on my checking account but paid it a few months before and was approved, IF you'd like to pay it you can call 877-287-7303 , it's the Chase recovery department. You can even set up payments if you'd like.

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Yes, you may need to do this.  Falling off chexsystems isn't enough: any issuer has their own records, chexsystems and CRs in general are information for OTHER lenders

[greent]

I had a Charge off from Target and I recently was approved for their red card. The CO is no longer in my credit and I never paid it.

[longtimelurker]

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@greent wrote:
I had a Charge off from Target and I recently was approved for their red card. The CO is no longer in my credit and I never paid it.

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It varies by lender whether they care or not

[sjt]

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@Anonymous wrote:

Hi everyone,

I have posted on these forums asking for your advice regarding the possiblity of being blacklisted by Chase. Just a little recap. It was a 150 dollars overdraft on a checking account I had with them in college. I never paid it and I would like to get a credit card with cahse. It is no longer recored in checkstystems as I have obtrained my report and it is not listed. I now have a BOA checking account.

On to the new, I recived a preqalified offer in the mail(before opting out of get a medical collection removed fom my account. I'd like to recieve offer but haven't' after opting in. But that is an differnt issue entirely) from Chase for the Freedon Unlimted.  I acutally want the regular Chase Freedom instead because I plan on getting the Captial One Quicksliver due to the no foreign transaction fees. I figured it would be good to have it if I were to ever go outside the country. Do you all think this is a good sign that I may not longer be blackilsted by Chase, if I ever was?  I'm really thinkning about applying and risking a HP.

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Chances are you werent blacklisted for the $150 overdraft. Im assuming its over 5 years old since you not on Chex System, so its also possible Chase could have purged this from their records.

[Anonymous]

@MILOfico-I have not recently because I had a security freeze on my reports(all part of getting a paid medical bill removed from my reports). Apart of that freeze is being opted out for 6 months. It's been 3 months and the security freeze is not longer active. However I have 3 more month until I'm opted back in. I've tried opting back in recently to in a way override the remaining time before I will be opted back in. I've tried opting in manually via the website and I guessing it hasn't worked as I haven't recieved any prequals.