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New Contributor
Posts: 163
Registered: ‎10-18-2012
0

Re: Chase Freedom and Capital One Denial?

It was the Mastercard version.  Smiley Happy

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
Posts: 163
Registered: ‎10-18-2012
0

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
Super Contributor
Posts: 7,318
Registered: ‎12-11-2011
0

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!

Established Contributor
Posts: 757
Registered: ‎03-16-2012
0

Re: Chase Freedom and Capital One Denial?

[ Edited ]

Smiley Sad

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


Starting Score: TU: 481 12/30/2015 EQ:561 12/30/2015 EX:532 12/30/2015 (MYFICOS) BK FILED: 09/2015 DISCHARGED 12/2015 -- 02/28/2016 TU:551 EQ: 599 EX: 561
New Contributor
Posts: 163
Registered: ‎10-18-2012
0

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
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Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

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: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






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