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Does Chase Blacklist?

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Revelate
Moderator Emeritus

Re: Does Chase Blacklist?

That's interesting, whenever it's not an instant denial there's hope, especially with Chase these days.

 




        
Message 21 of 38
shakalaka
Established Contributor

Re: Does Chase Blacklist?

Well, there is hope. Good luck.



FICO (TU/EX/EQ): 773/766/778 - Total CL 255+K
Message 22 of 38
masscredit
Valued Contributor

Re: Does Chase Blacklist?

Following up on my app from last week. I received a letter in the mail today. Denied for the following reasons -

 

Credit report reflects a bankruptcy

Credit report shows a tax lien, public record or collection

Credit report reflects charge off(s) or bad debt collection(s)

 

I guess all of the above is correct -

 

So, bankruptcy - check

Tax liens - check (a few of those)

Bad dept/collections - check

 

All of these were from before my bankruptcy that was discharged 2/2010. Report was pulled from EX.  They don't list anything that makes me think that I'm listed because of the account that I had with them that was included in my BK. 

 

I wonder if I should bother trying again in 2 years or don't bother until the BK falls off. That will be gone before the tax liens are.

 

Pre-Credit Rebuild Scores Pre-DC (3/24/22) - EQ - 524 / TU - 519 / EX - 495

Current Scores - EQ - 687 / TU - 663/ EX - 677

SDFCU Secured - $5000 / TD Bank - $5000 / Mercury - $5000 / Capital One Savor One- $5000 / Capital One QuickSiver - $4500 / Ally Master Card - $2800/ Walmart Mastercard - $2250

Andrews FCU SSL $1500
Message 23 of 38
sjt
Senior Contributor

Re: Does Chase Blacklist?

Question for you all:

 

Say you are on the blacklist and the only way to get off the list is to pay the outstanding debt. What if that debt was sold and if you pay them would you be off their blacklist?

 

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
Message 24 of 38
911gt34life
Frequent Contributor

Re: Does Chase Blacklist?

I am about to test this right now. 3 Co drop off so let see : )

>
Message 25 of 38
911gt34life
Frequent Contributor

Re: Does Chase Blacklist?

i just apply for chase freedom.

 

Thank you for applying.  Your application requires further review before making a decision.

 

i had 3 Co with chase some were sold to other company that i paid off. it has been more that 7 years.

 

 

>
Message 26 of 38
creditnocash
Valued Contributor

Re: Does Chase Blacklist?


@911gt34life wrote:

i just apply for chase freedom.

 

Thank you for applying.  Your application requires further review before making a decision.

 

i had 3 Co with chase some were sold to other company that i paid off. it has been more that 7 years.

 

 


well id call the recon line in the morning then. 



Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23

Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE
Over 12 Months:0


2023 Goals:
Buy A Home
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000

Message 27 of 38
Sparkz1920
Frequent Contributor

Re: Does Chase Blacklist?

I had an acct with WaMu that was charged and paid and when I got the letter, they said I couldn't apply because I already had the Chase Slate. I called and they told me that because I previously had a card, I couldn't get another since it was charged off....they coded all previous accounts with WaMu as the slate card or some dumb Ish

I was pissed

Starting Score: 601
Current Score: 670
Goal Score: 700


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Message 28 of 38
911gt34life
Frequent Contributor

Re: Does Chase Blacklist?

i love you chase.

>
Message 29 of 38
sjt
Senior Contributor

Re: Does Chase Blacklist?


@911gt34life wrote:

i love you chase.


I take it you were approved.

 

American Express: Platinum Charge, Optima, Business Gold, Delta Business Reserve, Business Cash, Business Plus
Barclays: Arrival+ WEMC
Capital One: Savor WEMC, Venture X Visa Infinite
Chase: Freedom U Visa Signature, CSR Visa Infinite
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity Visa Signature
Credit Union: Cash Back Visa Signature
FICO 08: Score decrease between 26-41 points after auto payoff (11.01.21) FICO as of 5.23, EX: 812 / EQ: 825 / TU: 815
Message 30 of 38
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