Reply
Valued Member
jbunton444
Posts: 91
Registered: ‎11-04-2010
0

Long... struggle to Chase Freedom

[ Edited ]

Declined initially on 2-22-2013; called for reconsideration today... if there's one thing that this forum has taught me... persistence and DON'T take "NO" for an answer.

 

So, after thinking and saying, nah... I called today.  Lady came back and said, "No... you have two active collections."  I said, "No, I don't."  She says the report says... I said, it's wrong, I paid them off about thirty days ago [...edit... were from 2008 and 2009 -- paid so I can tell a home underwriter see there paid].  So, I fax them in... and "waiting is way overrated -- to whomever has that in the siggy line."  Called in ten minutes later, they searched the fax que, found them, I said... I'm not a credit risk.  They gave me a$2,000.00 initial CL.  I'll take it.  NFCU and Chase are two cards I like having.

 

I will not give up my Barclay's though; they re-established me after my horrible youth... I feel like I owe them my loyalty for awhile.  Now... just to get to Amex. 

 

Keep fighting the good fight; as I told the recon line... I don't always watch the football game, sometimes I play even if I'm not invited.

 

Josh

Gardening since 6-28-2013
Barclay's iTunes: $3,500 | Travelocity Amex $3,350.00 | USAA $7,000.00 | Chase Freedom: $2,000.00 | Discover IT $1,000.00 | NFCU cashRewards Visa $22,500.00 | NavCheck $12,500.00 | USAA $7,000.00 | JCP $3,000.00 | Macy's $2,200.00 | Sam's Club $1,100.00 | Care Credit: $3,300.00 | Carson's $5,250.00 | Wal*Mart $1,500.00 | Various others... can't remember most store cards --- Long journey to HERE -- keep up the good fight!
Established Contributor
BrokaToe
Posts: 726
Registered: ‎05-12-2012
0

Re: Long... struggle to Chase Freedom

Freaking awesome! Congrats! Persistence is the key!


border="0" align="left" width="450" height="90">
Valued Contributor
Swapmeet
Posts: 1,569
Registered: ‎11-10-2012
0

Re: Long... struggle to Chase Freedom

Persistence breaks resistance. Good work.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Contributor
severine
Posts: 122
Registered: ‎08-19-2012
0

Re: Long... struggle to Chase Freedom

That is AWESOME! Nice work!

Amex PR Gold NPSL | Amex BCP 16.5k| Amex Delta Gold Skymiles 14.9k | Amex BSP 5k | Discover 12.5k | Citi Diamond Preferred 11.9k | Chase Freedom 12k | Chase Sapphire Preferred 12k | US Bank Cash + Visa 13k | BankAmericard Cash Rewards Signature Visa 9.5k | M and T Bank Visa 10.9k | FICO TU 784 EQ 768 EX 784
Valued Contributor
MsLadyRover
Posts: 2,829
Registered: ‎03-14-2012
0

Re: Long... struggle to Chase Freedom

Congratulations!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Valued Contributor
Epcot
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Long... struggle to Chase Freedom

Congrats on the successful recon!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Valued Member
jbunton444
Posts: 91
Registered: ‎11-04-2010
0

Re: Long... struggle to Chase Freedom

Thanks to everyone.  Really, I only posted to keep others encouraged.

 

Josh

Gardening since 6-28-2013
Barclay's iTunes: $3,500 | Travelocity Amex $3,350.00 | USAA $7,000.00 | Chase Freedom: $2,000.00 | Discover IT $1,000.00 | NFCU cashRewards Visa $22,500.00 | NavCheck $12,500.00 | USAA $7,000.00 | JCP $3,000.00 | Macy's $2,200.00 | Sam's Club $1,100.00 | Care Credit: $3,300.00 | Carson's $5,250.00 | Wal*Mart $1,500.00 | Various others... can't remember most store cards --- Long journey to HERE -- keep up the good fight!
Established Contributor
searchingfor67
Posts: 665
Registered: ‎08-02-2011
0

Re: Long... struggle to Chase Freedom

Wow! Congrats...

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCP $13K | Amex Costco TE $10.4K | Amex SPG $10.1K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Discover IT $9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU Flagship Visa Signature $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $10K | USAA World MC $9K
Moderator
09Lexie
Posts: 26,321
Registered: ‎09-13-2012
0

Re: Long... struggle to Chase Freedom


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}