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Chase Freedom Holders

Contributor

Re: Chase Freedom Holders

App update via automated system...This morning it was still being review but now it's

saying my decision will be mailed to me in 7-10 B days...doesn't look good Smiley Sad

 

Going to call now for a recon..wish me luck !

Message 21 of 51
Senior Contributor

Re: Chase Freedom Holders

good luck

Message 22 of 51
Contributor

Re: Chase Freedom Holders


john398 wrote:

good luck


Just got off the phone..It's a no go ...He said it was due to the collections still

on my report that I'm currently disputing.

 

I pretty much went over my EX report with them..they were very nice but not willing to help

even tho I had a perfect mortgage with chase along with 11 tradelines in good standing which far out weight the negatives.

 

I have a 13 year history.

 

They said to call back when the last 2 collections are gone.

 

Selling my co-op worth $225.000 -$250.000 Grand and buying a house and Chase

will never  ever be in the picture with me again !

 

 

I'm done apping and back to cleaning my report up for the best mortgage I can get.

 

So I was denied from AMEX and Chase ...... Discover and Cap ONE and Walmart approved me

and will always be in my wallet....even if I hit the Lotto !

 

Hey Chase..stop sending me offers in the mail if

you aren't going to approve me...I don't need any more junkmail

and having to sift thru my mail to find my bills.!

 

 

Message 23 of 51
Moderator Emeritus

Re: Chase Freedom Holders


Bluerain wrote:

 

Hey Chase..stop sending me offers in the mail if

you aren't going to approve me...I don't need any more junkmail

and having to sift thru my mail to find my bills.!

 

 


All you have to do is Opt Out 

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".


Message 24 of 51
Contributor

Re: Chase Freedom Holders


MarineVietVet wrote:

Bluerain wrote:

 

Hey Chase..stop sending me offers in the mail if

you aren't going to approve me...I don't need any more junkmail

and having to sift thru my mail to find my bills.!

 

 


All you have to do is Opt Out 

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".



If I opt out will I be able to opt back in within the 5 years again or

do I have to wait until the 5 years end ?

 

Thanks

Message 25 of 51
Valued Contributor

Re: Chase Freedom Holders


Bluerain wrote:

If I opt out will I be able to opt back in within the 5 years again or

do I have to wait until the 5 years end ?

 

Thanks


It's my understanding you can Opt In again anytime.  The button is right next to Opt Out on the website.  Read the fine print when you get there, it should tell you.

3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL

Message 26 of 51
Moderator Emeritus

Re: Chase Freedom Holders


Bluerain wrote:

 

If I opt out will I be able to opt back in within the 5 years again or

do I have to wait until the 5 years end ?

 

Thanks


As p- said you can opt in and out as often as you like. Use the same site to do both.

 

 

 

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

 

 

 


 

Message 27 of 51
Contributor

Re: Chase Freedom Holders

I'm Opt Out...Thanks

 

Sorry for the derail .

Message 28 of 51
New Member

Re: Chase Freedom Holders

regardless of normal card vs siggy, chase freedom reports.  only way it doesn't report limits is if its NPSL (no preset).  right now if you check equifax NPSL now report as OTHER as opposed to revolving.  i spoke with a chase rep the other day and chase is supposed to start reporting those cards differently starting in 2012 that way utilzation is never affected when limits aren't reported.

 

also people who manually look at your credit can see NPSL because of the way it reports at $0 limits when you have a balance. 

Kohls non-visa $1,000 (lol) * Gap Visa $1,000 * Barclay NFL Visa Sig $2,800 * Walmart Discover $4,200 * Chase BP 5%/2%/1% VIsa $4,500 * American Express Preferred Blue 6%/3%/1% $5,700 * CapOne 2% Everyday Rewards MC $10,000 * Discover More 5% $10,000 * Chase AARP 5%/3% Visa $10,000 * Citi Dividend 5% MC $10,400 * Wells Fargo 1% $15,000 * Citi Forward 5% Visa $15,000 * Chase Freedom 5% Visa $18,700 * Chase Amazon 3%/2%/1% Visa Sig $19,100 (NPSL) * FIA 529 2% Amex $25,000 * PNC Everyday Rewards 4%/3%/2%/1% Visa $25,000 * PenFed 5%/1% Plat Visa $31,000 *
Walmart TU FICO--769 (10/17/11) Chase CLI EQ FICO--766 (10/25/11) Credit Sesame EX FAKO--805 (10/6/11)
Message 29 of 51
Contributor

Re: Chase Freedom Holders


ptr2593 wrote:

Kay_Cee wrote:

Mine has a limit of $11,500 and it reports to all three bureaus.


  Awesome!  I was wondering if anyone here had a Freedom with >$5k that reported Smiley Happy  Thanks.


As long as it's non-Signature, it should report. My is a non-sig that has limit of $15,500, and it reports to all three.

AmEx Blue Cash Everyday - $1,100 - need CLI or will close
BankAmerica Cash Rewards - $10,000
Chase Freedom - $10,000
Chase Sapphire Preferred - $5,000
Chase Ink Bold - $5,000
Citi Platinum Select - $2,600
Discover More - $4,000
Message 30 of 51