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Chase Freedom Application Response..."30 day wait"

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Anonymous
Not applicable

Re: Chase Freedom Application Response..."30 day wait"

What site is good for checking my 3 bureau credit report?

Message 41 of 48
yfan
Valued Contributor

Re: Chase Freedom Application Response..."30 day wait"


@Anonymous wrote:

What is a good website to go to, to obtain all 3 bureau credit reports?

 

I want to purchase all three and see what the is going on and how long it should be before inqs and other things fall off. I just don't want to pay a bunch of money or sign up for a monitoring membership.

 

Thanks


You may be able to obtain a copy of the reports when Chase sends you a formal denial letter. In the letter, there should be information about contacting the bureaus to obtain your report. This should be free of charge. You can also go to AnnualCreditReport.com and obtain all three, that is, if you have not pulled yours in the past year.

Message 42 of 48
09Lexie
Moderator Emerita

Re: Chase Freedom Application Response..."30 day wait"


@Anonymous wrote:

What do you mean, I am new here?


They may have pulled two CR's based on your initial app and a third cr when you called for a review. 

Message 43 of 48
Anonymous
Not applicable

Re: Chase Freedom Application Response..."30 day wait"


@Anonymous wrote:
I am so livid right now...
That's messed up, i was Declined 3 times before they approved my Chase Freedom....

Message 44 of 48
Anonymous
Not applicable

Re: Chase Freedom Application Response..."30 day wait"


@Anonymous wrote:

Guess what?

 

DECLINED...Reason being, that I have too many inquiries, they said I have too many lines of credit, I have a few student loans.

 

I only have four credit cards, my student loans are only at 15k and active.



if you just want an easy to get Chase Credit Card, i would go for the Chase Amazon Rewards Visa, Very Super easy to get and Chase already checked your credit report anyway, that Chase Amazon Credit Card can get you in the door with Chase, Then later on you can get any other Chase Card Smiley Wink

Message 45 of 48
Anomalous
Senior Contributor

Re: Chase Freedom Application Response..."30 day wait"


@Anonymous wrote:

Guess what?

 

DECLINED...Reason being, that I have too many inquiries, they said I have too many lines of credit, I have a few student loans.

 

I only have four credit cards, my student loans are only at 15k and active.

 

I asked about the balances or credit score and the lady told me their deciding factor was the inquiries. I do have a lot because some a-hole at the chevy dealership almost two years ago, applied at 15 banks in search of an approval for an auto finance. I am still waiting for those to come off my report.

 

Then I obtained a barclay card in June, and a capital one card in June. Chase told me that two new lines of credit is a sign of aggressively seeking credit.

 

What a bunch of crap, I have an auto finance through chase, none of my bills are late or in collections, and I pay my cards on time. 

 

To make matter worse, chase just wacked me with three more inquiries on my reports just to decline me **bleep**!

 

Any tips or ideas?

 

I am so livid right now...


I received my denial letter last week for pretty much the same reason. It's one of the cards I'll re-apply for late next year.

Keep both your credit and your body in top shape!

Message 46 of 48
Anonymous
Not applicable

Re: Chase Freedom Application Response..."30 day wait"

Yeah this is the second denial in two years from chase but they make no sense because they gave me an auto loan for 15k. I really want this card to consolidate credit but apparently I have to pay down my other credit balance first which makes no sense because the whole point of a freedom card is to balance transfer. Kind of backwards. I will most likely reapply later in the year gonna give it like six to eight months.
Message 47 of 48
Anonymous
Not applicable

Re: Chase Freedom Application Response..."30 day wait"

Yeah, I would give the chase amazon card a shot, but I want to wait to see what time does. I am not gonna app for anything for the next 6-8 months and just pay down all my balances to $0, let my reports update for a good amoutn of time (say a month or two) and then reapply at chase for the freedom again. Since I was delinced by chase, I just requested a copy of my experian and equifax credit reports for free. I am working on finding a way to get my Transunion repor for free as well, but I haven't figured it out yet. 

 

The rep transfered me to an account specialist from lending services at chase and she was really cold hearted and gave me a line of crap. She said "oh, I see that you have multiple accounts opened in the last few months" and I replied, "what do you mean multiple accounts" and she replied, "you opened two credit cards, in the last four months". I answered "yes I did, and they are in good standing and being paid on time every month".

 

Then she went on to give me crap about my student loans, which are now only a year old but still active, because I am still enrolled in school. They are listed on my credit report as "deferred, because stufent is enrolled". The school loans are not due right now and will not be until I graduate or leave school. Then to make things worse, she gave me crap about an auto finance tha I opened up back in March of 2014, which by the way is through Chase Bank Auto at a 6.5% interest rate.

 

I aksed her if me being denied had anything to do with the fact that I carried balances or my credit was average and she said no. She said she denied me credit because she sees too many inquiries dating back to october of 2013 (4 I think)...and too many closed accounts. I just explained to her that the closed accounts were closed and reopened same day, because when I went on vacation, someone committed fraud on my credit cards so as a precaution, I had to close the cards and be issued new ones...she said whatever the reasoning is, it didn't matter.

 

I have four credit cards, well over $1000 limits, two store cards, an auto finance, auto lease, and student loans. All cards have a balance of $300 or less, I guess it is just a waiting game until all the stuff falls off my credit report INQ wise. I still feel that if I reapply in the future, they will still give me the same crap about my student loans. Honestly while talking to her, it sounded like she was making it up as she was going aong. 

 

I order my reports from experian, and equifax. I also submitted disputes on inaccurate info on equifax, now I just need a copy of my Transunion so I know what to work on and I can find any errors or common factors on all three.

 

Anyone wanna share their opinion on the matter?

Any advice or tips on what to do next?

Similar experiences?

Message 48 of 48
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