cancel
Showing results for 
Search instead for 
Did you mean: 

Successful Chase Freedom Recon???

New Contributor

Successful Chase Freedom Recon???

Has anyone had a successful Chase Freedom Recon with one 6 year old unpaid bad co?  That was the one of the main reasons I got denied besides utlization (which I plan to PAY DOWN asap).

 

Thanks!

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 1 of 12
11 REPLIES
Moderator Emeritus

Re: Successful Chase Freedom Recon???

I was approved with a paid judgment from 2006. It was paid in 2009

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 2 of 12
Valued Contributor

Re: Successful Chase Freedom Recon???

YMMV. Low UTL and good reporting history from on out. If you apply and get a 30 day message...I'd called the backdoor number ASAP! Explain your reason for the previous baddie and how you've had better credit from then on out. You'd get it. Good luck!

As of 2017, rebuilding...
Message 3 of 12
Frequent Contributor

Re: Successful Chase Freedom Recon???

My husband got the message, called back door number and reconned..got approved..only for $500, but we were happy to just get in with chase. Has one unpaid CA from 2008..a medical that the company won't validate.


Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660



Message 4 of 12
New Contributor

Re: Successful Chase Freedom Recon???

I got Equifax to DELETE the 1 unpaid charge off from my credit report.  Worth a recon now?  I think it would be a HP since they'd have to repull my report.

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 5 of 12
Valued Contributor

Re: Successful Chase Freedom Recon???

Did you double check to make sure your reports were updated? You dont wan't to waste a HP if it's still reporting even tho they "deleted" it. I think Chase is known to pull EX tho.

As of 2017, rebuilding...
Message 6 of 12
New Contributor

Re: Successful Chase Freedom Recon???

I have security freezes on my account, so I unfroze Equifax at the time of the application (for not real reason) so they originally pulled EQ.  When pulling up the "dispute" online form, my credit report no longer reflects that negative charge off, as well as I have a copy of the letter from Equifax confirming deletion.

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 7 of 12
New Contributor

Re: Successful Chase Freedom Recon???

Would this be sufficient do you think?

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 8 of 12
Established Contributor

Re: Successful Chase Freedom Recon???

YMMV I had and have currently two paid chargeoffs (1 in 2010 and the other in 2012). Reconned and got the Freedom with a 2500 limit. They didn't even ask about my CO's. They questioned some inquiries and 2 minutes later approved. My overall utilization was 11%

Total Overall Credit Limit- $325k
Message 9 of 12
New Contributor

Re: Successful Chase Freedom Recon???

Hm.  Did they ask you how much you income was?

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 10 of 12