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

Chase Freedom and Capital One Denial?

Hi everyone, I have been creeping on the forums for a while now and recently decided to join.  I applied for a Capital One Cash Rewards and Chase Freedom card and both were denied.  Any thoughts?

 

I have a:

Capital One Platinum Card - $0/$750 - 1 year old

Jared Jewelers - $200/$1200 - almost 2 years old

GE Luxury Card - $1200/.$1500 (high utlization I know, my engagement ring is on there and fiance is paying it off)

Wells Fargo - N/A/$5,000 (was an authorized signer on my ex husbands card)

Jared Jewelers - $0/$9,000 - 4 years old (also authorized signer on ex husbands card)

 

1 paid Charge Off - Capital One that is 6 years old

1 unpaid Charge Off $495.00 - First Premier Bank that is 6 years old

 

When I applied to Capital One, I had a security freeze on Experian, will they deny me if they can't pull up all 3?  I tried recon with Chase 4 times, and no luck. :smileysad:

 

Can anyone PM me some recon addresses for Chase/Capital One?  I hate that I took hard inquiries.  I don't know what my scores are.  According to CreditKarma my TU is 604, Experian "Plus" is 692, and Equifax is "605".

 

 

 

 

 

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?

help?? :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
Regular Contributor
deg757
Posts: 118
Registered: ‎08-13-2012

Re: Chase Freedom and Capital One Denial?

It sounds like you are basing your information off of FAKO scores. If you fake scores are that low, I would imagine your actual FICO scores are lower. In my experience, the FICO scores tend to run lower than the FAKOs. I would pay for your actual FICOs and see where you can go from there.

Starting scores 2/27/12 TU 605 EX 576 EQ 560
Current scores lender pull 9/6/12 TU 663 EX 629 EQ 645
Closed on our first home 10/26/2012!
Senior Contributor
youngandcreditwrthy
Posts: 6,137
Registered: ‎08-16-2012

Re: Chase Freedom and Capital One Denial?

Your Tu&eq are too low... Sowwy... I'd try checking all three reports if you can and dispute any info that is inaccurate. Also work on utilization.

You need at least 630+ to even be considered for Freedom.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
New Contributor
heathuhhhhwebbbb
Posts: 163
Registered: ‎10-18-2012

Re: Chase Freedom and Capital One Denial?

If I paid for my credit report/score on equifax/experian are those not my real scores?

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
Senior Contributor
youngandcreditwrthy
Posts: 6,137
Registered: ‎08-16-2012

Re: Chase Freedom and Capital One Denial?

Well the eq website and experian website sell their versions of a score, but not the fico score. At least in my experience. Your exp plus score seems to be good..

Ime, my scores are lower on eq than eq's fico, slightly higher on exp plus than exp fico, and lower on Ckarma than my tu fico..
As you can see, results may vary.

What did Chase say your scores were?
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
New Contributor
heathuhhhhwebbbb
Posts: 163
Registered: ‎10-18-2012

Re: Chase Freedom and Capital One Denial?

When I spoke with the lady about a recon she said she didn't have my score and I would have to contact Equifax (who they pulled) to get the exact number.  I am waiting for my letter, do you think it will be on there?  I remember about two months ago, an apartment complex pulled TU and they sent a letter saying my score was 614. 

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
Regular Contributor
deg757
Posts: 118
Registered: ‎08-13-2012

Re: Chase Freedom and Capital One Denial?

As far as I know, the only place to purchase your actual FICO scores is here on myFICO. All the other scores are just garbage. Lenders only use the FICO scores. Experian does not sell their FICO scores anymore so you can't get that one at all.

Starting scores 2/27/12 TU 605 EX 576 EQ 560
Current scores lender pull 9/6/12 TU 663 EX 629 EQ 645
Closed on our first home 10/26/2012!
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011

Re: Chase Freedom and Capital One Denial?


deg757 wrote:

As far as I know, the only place to purchase your actual FICO scores is here on myFICO. All the other scores are just garbage. Lenders only use the FICO scores. Experian does not sell their FICO scores anymore so you can't get that one at all.


Equifax Scorewatch is a real Fico score, but the price is same so might as well get it from here since you can get a TU score as well, although the scores you want are the 2004 version of Fico and EQ here is fine, but TU is 98 for some stupid reason no one really knows? only Barclay goes by 98 scoring still.

 

Credit scoring is a such bs, if your judged on a score you should have a right to know your real scores that your being judged on.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Senior Contributor
youngandcreditwrthy
Posts: 6,137
Registered: ‎08-16-2012

Re: Chase Freedom and Capital One Denial?

Hmmm that seems like a lie....

I asked them what my score was (chase actually uses an internal score usually), and they told me....
Why can't creditors just get their s*** together and treat everyone the same instead of making up excuses and lying.

Uniformity is the way to do business.

Grr
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

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