05-27-2013 02:15 PM
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.
05-28-2013 03:11 AM
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.
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