Chase Charge Off

[B335is]

Chase has a long memory.  I had to recon Freedom in November 2013 and was asked about a paid charge-off from 1998 for $2000.

[n777ua]

Friend of mine had $13750 charged off in 1995 - he has never been able to re-establish with them.  Last try a couple of years ago, he was told if he repaid the $13750, he "may" be able to open a credit account.  He declined.

[bizzyballa31]

Wow those timeframes are remarkable.  At what point does it become overkill?  15 years is a lifetime.  Its Amex just as bad? 

[enharu]

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@bizzyballa31 wrote:

Wow those timeframes are remarkable.  At what point does it become overkill?  15 years is a lifetime.  Its Amex just as bad? 

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Pretty much. there are people whom continue to be blacklisted for more than 2 decades by citi as well.

[bizzyballa31]

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@enharu wrote:

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@bizzyballa31 wrote:

Wow those timeframes are remarkable.  At what point does it become overkill?  15 years is a lifetime.  Its Amex just as bad? 

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Pretty much. there are people whom continue to be blacklisted for more than 2 decades by citi as well.

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Well then I shall do everything in my power to not upset Citi.

[sjt]

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@bizzyballa31 wrote:

I just got denied for a Chase Freedom because I had a charge off with them 8+ years ago!!  I was planning on letting this app ride if I got denied but I needed to find out how long I would be black listed with them.  After calling, they still denied me for too many inquiries.  Okay I can live with that because I do have a lot.  Judging by my denial letter and the lack of a credit score on it  they never even checked my CR and just denied me based on their internal report.  

On the bright side my Barclays Rewards card just came today.

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I would call for a recon and see what they have to say. There have been plenty of people that obtained a Chase Card with a CO after they called for a recon.

[sjt]

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@n777ua wrote:

Friend of mine had $13750 charged off in 1995 - he has never been able to re-establish with them.  Last try a couple of years ago, he was told if he repaid the $13750, he "may" be able to open a credit account.  He declined.

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Im suprised Chase did not sell the account to a JDB.

[n777ua]

Correction - BK7; not charge off.

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@sjt wrote:

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@n777ua wrote:

Friend of mine had $13750 charged off in 1995 - he has never been able to re-establish with them.  Last try a couple of years ago, he was told if he repaid the $13750, he "may" be able to open a credit account.  He declined.

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Im suprised Chase did not sell the account to a JDB.

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[Uppingmyscore]

I have a Chase CO on my credit report from 2010 and was approved today for $4,000 on the Freedom Card.  

The account started as Providian to Washington Mutal to Chase.  I got the your account is under review message called the backdoor number and got approved.  My Chase-CO was paid so I know that played a major roll in approving me.  

Anything possible so recon and tell them why you should have their card.  

[H4LO]

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@bizzyballa31 wrote:

Wow those timeframes are remarkable.  At what point does it become overkill?  15 years is a lifetime.  Its Amex just as bad? 

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I'm a little confused here... 

Nothing is overkill.

You took their money, used it, bought whatever you did buy and burned them. A debt is a debt, it's as simple as that.