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Valued Contributor
Posts: 1,072
Registered: ‎02-06-2013
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Chase Freedom Recon

   I was denied for a Chase Freedom card 3 months ago. Since then my scores have rebounded a bit. What score level should I wait for before calling the recon line? I called it after my initial rejection. At the time they had my score as 607 and I believe it was an Ex score that was partially tweaked by them. I am thinking I will call the recon when my score gets to the 660 range. Does that sound reasonable? I have one baddie on my report. It is an old BofA creditcard which was closed in 2010 and settled for less than the total. My most recend delinquency on that was 3 years ago. I had a federal lien but that has been deleted from my reports, Credit sesame has my fako score at 691 now. As I said I am thinking of waiting til my Eq fico is around 660 and then calling. Does that make sense or do I have a shot sooner? My score now I estimate at around 635 or 640. I am too cheap to pay to find out exactly what it is. I am waiting for my free DCU score and free walmart TU scores to come out.

390/14001100/13001500/15001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: Chase Freedom Recon

Congrats on getting that lien withdrawn! How long have you had the cards in your siggy?
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
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Re: Chase Freedom Recon

You want to recon a denial from 3 months ago? I would just work on the scores/baddies and then re-apply. I am not sure they would recon an application that old.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: Chase Freedom Recon

Valued Contributor
Posts: 1,072
Registered: ‎02-06-2013
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Re: Chase Freedom Recon

Ok I gotcha. I got the other 2 cards in jan and feb.

390/14001100/13001500/15001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: Chase Freedom Recon

Chase likes to see a min 6 mos revolving credit and depending on the profile even a year.
Valued Contributor
Posts: 1,129
Registered: ‎01-20-2011
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Re: Chase Freedom Recon

You can't recon after that long. You can re-apply though. With a baddie on the report, I will let the scorest get above 680 before I pull the trigger.


dddewdrop wrote:

   I was denied for a Chase Freedom card 3 months ago. Since then my scores have rebounded a bit. What score level should I wait for before calling the recon line? I called it after my initial rejection. At the time they had my score as 607 and I believe it was an Ex score that was partially tweaked by them. I am thinking I will call the recon when my score gets to the 660 range. Does that sound reasonable? I have one baddie on my report. It is an old BofA creditcard which was closed in 2010 and settled for less than the total. My most recend delinquency on that was 3 years ago. I had a federal lien but that has been deleted from my reports, Credit sesame has my fako score at 691 now. As I said I am thinking of waiting til my Eq fico is around 660 and then calling. Does that make sense or do I have a shot sooner? My score now I estimate at around 635 or 640. I am too cheap to pay to find out exactly what it is. I am waiting for my free DCU score and free walmart TU scores to come out.


 

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Valued Contributor
Posts: 1,072
Registered: ‎02-06-2013
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Re: Chase Freedom Recon

ok thanks for the advice. Back to the garden go I....

390/14001100/13001500/15001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
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Re: Chase Freedom Recon

I got a $5k Freedom with a 637 FICO on the third recon attempt. I also have revolving accounts dating back to 07 with no baddies.

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
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Re: Chase Freedom Recon


dddewdrop wrote:

Ok I gotcha. I got the other 2 cards in jan and feb.


wait till those accounts are 6 months i would say :smileytongue:

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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