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Regular Contributor
KeithW
Posts: 201
Registered: ‎02-22-2012
0

Re: Chase Freedom Denial

I was told that Chase pulled Equifax and of course that is my lowest FICO number since it has the collections and doesn't have some beneficial accounts. I currrently have an auto loan through Chase. They checked my Experien FICO when I applied for that and approved me instantly at 5% interest.

Current Score: FICO EQ637-TU690-EX704
Wallet: Cap One Rew. $3500, Cap One Plat. $2000, Barclay $3000, Old Navy Visa $2500, HSBC $1500, Credit One $1800, BoA $3000, Chase Freedom $1500, Wal-Mart Discover $2000, Amazon $3100, Lowes $2000, Kay's $7000
Super Contributor
enharu
Posts: 7,132
Registered: ‎02-27-2013
0

Re: Chase Freedom Denial

it seems that your utilization is what did you in.

Pay it down, and then re-apply. Or call recon again and send them proof that you paid it down. Maybe they might be willing to reconsider you w/o having to pull a new CR.

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

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