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

Chase Freedom Denial

I applied for the Chase Freedom and was denied. Called the reconsideration line and they said I was denied because of a past medical collection that belonged to my wife. On the other hand we were approved for a Citi Diamond Preferred.

 

I guess Chase is pretty picky.

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
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Chase Freedom Denial

I would be disputing that collection as not yours.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Regular Contributor
KeithW
Posts: 201
Registered: ‎02-22-2012
0

Re: Chase Freedom Denial

I have, but they say that since we are married all of her old collections are mine too. I ended up getting three small ones of hers last year. She paid them all off in full, but they still added them to mine.

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
Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Chase Freedom Denial

I agreed with LS. Try to dispute it. Also try to recon again and again and one more time... Again
2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Chase Freedom Denial

Who said that??!?!? That is TOTAL BS!!!!!

Her collections are NOT yours! I had the same issue about 2 years ago. Are these medical bills???



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Chase Freedom Denial

re you disputing these with the collection agencies or the bureaus??



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
madmann26
Posts: 1,440
Registered: ‎08-30-2012
0

Re: Chase Freedom Denial

If you were listed as the responsible person on file, then that's why it shows up on your CR.

This happens often if the insurance is under your name.

Starting Score: EQ 511 TU 552 EX 545 8/29/2012
Current Score: TU 705|EQ 690|EXP 698 (FICO)
What's in my wallet? Cap1 PLAT AU $1.25k; Cap1 Cash AU $2k; NFCU Siggy $23k; $4k WalMart DC; CFNA Firestone $2.2k; Amazon $2.1k; NFCU Cash Rewards $22K; AMEX BCE $18k; NavCheck $15k; Lowe's $10k; Citi DP $6.3k; AMEX ED $8.5k; Chase Freedom $4.5k
Goal Score: 700 across the board.
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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Chase Freedom Denial

If you did not sign the paperwork for responsible party it is not your debt even if you are the primary on the Insurance.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
KeithW
Posts: 201
Registered: ‎02-22-2012
0

Re: Chase Freedom Denial

[ Edited ]

I called Chase recon back and this guy told me that the collections weren't the reason I was denied. He said it was my utilization which is sitting at 42% right now. He said that they require a utilization of under 30% and that if I got mine down then they would probably approve me.

 

I live in Missouri and from what I have been told you are responsible for your spouses medical bills even if you don't sign anything. I have disputed it with the credit agencies and they verified it. I also called the collection agency, which is owned by the hospital, but work very hard to hide that fact, and they told me that as of our date of marriage all active collections she had became mine. Oddly enough none of them showed up on my credit report though until I went in and paid off one of them for her using my credit card. I live in Missouri by the way. And my wife and I do not have any type of group insurance. We both carry our own individual policies.

 

I think I was told that the "law of necessities" was the reason.

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
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Chase Freedom Denial

I think your being hosed personally. I would contact an attorney and ask about your state's laws.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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