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Chase Freedom and Capital One Denial?

New Contributor

Re: Chase Freedom and Capital One Denial?

Ugh, thats frustrating.  Smiley Indifferent  I wrote recon letter and have mailed it to them as well.  They never specified it was my score that was the reason I was denied, but "high utilization on one card" and one unpaid CO that is 6 years old. 

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
Message 11 of 26
Senior Contributor

Re: Chase Freedom and Capital One Denial?

Is the unpaid co marked as disputed on your credit report?
I had high util on one card and two unpaid cos and got approved. Mine really were fraud accounts though
But legally, you can dispute that unpaid co and ask them for proof that you owe it ;-)

Dispute, dispute, dispute!!!!!!!!!!!!!!!!!!
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
Message 12 of 26
New Contributor

Re: Chase Freedom and Capital One Denial?

It is marked as dispute.  I have a lot of fraud on my credit report due to someone taking out several payday advances and then not paying them (this is all in several police reports I've filed).  Its such a headache dealing with!  Perhaps it is my FICO score that is too low.  I will have to order it when I get paid at the end of the month.  I've read that Chase sometimes even takes into account your salary, but none of the recon representatives I spoke with even asked.

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
Message 13 of 26
Regular Contributor

Re: Chase Freedom and Capital One Denial?

which # did you call?? they always ask for employer and salary.

Message 14 of 26
New Contributor

Re: Chase Freedom and Capital One Denial?

It was a backdoor number I found on here.  1-888-270-2127, I also called 1-888-622-7547 and spoke with an "executive office" representative but she said she couldn't help but told me to call the first number again.....*rawrg*!

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
Message 15 of 26
Valued Contributor

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.


i got my EX fICO from chase when i tried for a CLI


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Message 16 of 26
New Contributor

Re: Chase Freedom and Capital One Denial?

Update, I called the Capital One Automated System and they said they are "currently reviewing" my application.  What does that mean, when I applied on Captial One they said "Denied".  So confused!!!

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
Message 17 of 26
Frequent Contributor

Re: Chase Freedom and Capital One Denial?

It appears your FAKOs and CRA scores are pertty low for a Freedom, but not so sure about the Crap1 cards.  I got approved in the high 500s when I started rebuilding plus I had a poop-ton of baddies at that time. 


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Message 18 of 26
Senior Contributor

Re: Chase Freedom and Capital One Denial?

Hmmm weird. Well perhaps the garden is calling your name
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
Message 19 of 26
Super Contributor

Re: Chase Freedom and Capital One Denial?

Did you apply for the Capital one Cash Rewards Visa or the Mastercard?

 

The visa version is for "excellent" credit, the mastercard version is their version for "average" credit. 

 

You need to actually have a pretty good score for the visa version, I think it starts at $3000, so I don't think you would have any luck with that one. 

Message 20 of 26