Should I recon Chase again? They were very willing to listen to an explanation of my debts but ultimately declined my app. They said its good for 30 days. Three debts were pointed out in particular. I can take care of two relatively quickly but the third is a dousy.
Starting Score: FICO TU 591 FICO EX 581 FICO EQ 555
Hi myjourney --
Don't scold me lol! I didn't listen to you and now I'm so sad I was declined. 
I know I know...they are quick to report but not update/delete. Two are small and I've offered PFD to no avail. I don't want to give up and just pay but I'm growing tired everyday of the games. These people seem to get a thrill from holding me financially hostage. The third is virtually impossible. It's a nearly 7 yr old repo. Just my luck... they pulled the one and only report that has the CA on it. Sigh...I really want a prime card to garden.
I'm pretty sure they would have to do another HP to verify that your debts had been cleaned up. There still would be know guarantee of approval. I may be wrong and they would do a soft pull but I doubt it. Good Luck on what ever you decide.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
@fixmycred14 wrote:Hi myjourney --
Don't scold me lol! I didn't listen to you and now I'm so sad I was declined.
I know I know...they are quick to report but not update/delete. Two are small and I've offered PFD to no avail. I don't want to give up and just pay but I'm growing tired everyday of the games. These people seem to get a thrill from holding me financially hostage. The third is virtually impossible. It's a nearly 7 yr old repo. Just my luck... they pulled the one and only report that has the CA on it. Sigh...I really want a prime card to garden.
Won't scold only support promise
You made me laugh to (financial hostage) ROFLOL
We all make mistakes sometimes and jump to early I'm guilty as well.
The best thing to do and sometimes the hardest is to clear up everything before making another attempt.
Chances of them doing two things is almost certain
1) another HP
2) pulling from the same CB
So here's where you choice comes in....
On the up side if you spend a little more time and fix what you can to the best of your abilities then you'll look better in there eyes.
Not to mention anything you can remove or show as paid will help turn CR's more positive
But I have to be honest and you know it If you try and things haven't updated you wasted another HP...A HP you'll need for that prime down the road
Prime is coming your way just make sure you don't rush it and lose the possibility of a second prime while your at it 
Thanks for being nice! lol
Sigh...well truth be told I wasted several HPs. Discover & Chase (today), TJX (Sept), NFCU (Aug)
Cap 1 secured (yesterday) & BoA secured (today) pending...
I haven't had any HPs for about 3-4 years up until now.
@fixmycred14 wrote:Thanks for being nice! lol
Sigh...well truth be told I wasted several HPs. Discover & Chase (today), TJX (Sept), NFCU (Aug)
Cap 1 secured (yesterday) & BoA secured (today) pending...
I haven't had any HPs for about 3-4 years up until now.
Check into the garden you and I will be joined at the hip until we get you a prime or 2
ooooookkkkkay! Sigh...no more app's for me. How much of a score drop can I expect? Cap 1 appeared w/in 24 hours no score change yet.
Now, I need Cap1 or BOA or both to come thru as second and/or third cards. Why does BOA request your banking info and deposit amount before you are approved?
@fixmycred14 wrote:ooooookkkkkay!
Now, I need Cap1 or BOA or both to come thru as second and/or third cards. Why does BOA request your banking info and deposit amount before you are approved?
Score drop could be between 3-5 points per INQ but will recover within 4-6 in most cases YMMV
BofA needs to know you have a way to pay and were the deposit is coming from watch you account for a withdrawal ....if its withdrawn your approved
so lets hope they come thur after checking info
CAP1 still may come thur my finger are crossed for you for sure