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New Contributor
heathuhhhhwebbbb
Posts: 163
Registered: ‎10-18-2012

Re: Chase Freedom and Capital One Denial?

It was the Mastercard version.  :smileyhappy:

09/2013: TU FICO 692, EQ FICO 698, EX PLUS 709. No apps until December 2014!
Freedom: $1500 Cap1 Plat: $2000 Cap1 Cash: $1500 Barclays: $4000 Walmart: $2700 GE Luxury: $4800 Jared: $1500 Davids Bridal: $1500
New Contributor
heathuhhhhwebbbb
Posts: 163
Registered: ‎10-18-2012

Re: Chase Freedom and Capital One Denial?

But I also had a freeze on one of my reports due to fraudulent activity.  Does Cap1 automatically deny if they can't pull all three?  And if so, how do I get them to reconsider?

 

 

Thanks everyone!

09/2013: TU FICO 692, EQ FICO 698, EX PLUS 709. No apps until December 2014!
Freedom: $1500 Cap1 Plat: $2000 Cap1 Cash: $1500 Barclays: $4000 Walmart: $2700 GE Luxury: $4800 Jared: $1500 Davids Bridal: $1500
Valued Contributor
jsucool76
Posts: 2,769
Registered: ‎12-11-2011

Re: Chase Freedom and Capital One Denial?

I don't know if they really do recons, butttt you could try calling 800-625-7866 (from the backdoor number thread) and see if they can help you.

 

Good Luck!

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1500CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012

Re: Chase Freedom and Capital One Denial?

[ Edited ]

:smileysad:

Hmmmmm...now am thinkin if i should still pull the trigger for freedom this weekend.... I really want the card


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



New Contributor
heathuhhhhwebbbb
Posts: 163
Registered: ‎10-18-2012

Re: Chase Freedom and Capital One Denial?

The freedom is my goal card at the moment.  I might have to sit on my current cards for a while though.  I always PIF my Capital One Card, so hopefully once I get the utlization down on my GE Card, my score will improve little by little.

09/2013: TU FICO 692, EQ FICO 698, EX PLUS 709. No apps until December 2014!
Freedom: $1500 Cap1 Plat: $2000 Cap1 Cash: $1500 Barclays: $4000 Walmart: $2700 GE Luxury: $4800 Jared: $1500 Davids Bridal: $1500
Valued Contributor
maiden_girl
Posts: 1,799
Registered: ‎12-29-2011

Re: Chase Freedom and Capital One Denial?

I would try for a Walmart card or something. Creditors don't really consider AU accounts as "real" accounts. Chase typically doesn't like DEQs reporting. You should consider ordering your true FICO score from myfico.com. The scores you purchase direct from EXP, EQ, TU are plus scores/FAKO scores and not the true scores creditors use. If you'd already reconned 4 times for Chase, I'd wait until you get your scores up before reapplying again.

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (3.0k) | Chase Freedom NPSL | Citi Simplicity (8.0k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015

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