Chase memory?

[Anonymous]

I had a repo and also a chargeoff about 7 1/2 yrs ago from chase and was thinking about applying again. Would like to know if they have a long memory or is it worth giving it a shot. I had a chargeoff on a providian and wamu blacklist me so they don't even do an inq they just reject me outright. I was thinking about a chase freedom. I joined penfed but giving them 6 months b4 I apply. The CR they pulled has a couple of derog that actually got deleted a week later which kinda sucks.

[WhirledPeasPlease]

I had a paid/settled CO from Chase and it came up as the reason for denial when I applied again (after about 5 years from the paid date).  I was approved based on several factors after the recon.  However, even when I call to ask about my current acct they always try to send me to 'naughty accounts' first.

[Anonymous]

so don't hit that submit button right? I have no derog or chase info on my CR but I guess they keep an internal record like wamu.

[WhirledPeasPlease]

Well, hit it if you want to take the risk.  My CO was paid and no longer showing on my CRs.  Chase is known to be pretty good about recons.

[jmbfl]

I wouldn't waste the inquiry if it is still showing on the CBR's. If you do app make sure you have a good story ready - you will probably need it!

[Anonymous]

oh well, will lay low for now