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New Contributor
Posts: 163
Registered: ‎10-18-2012
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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
Moderator Emeritus
Posts: 7,225
Registered: ‎09-16-2011
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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
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Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
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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!

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Frequent Contributor
Posts: 299
Registered: ‎05-28-2012
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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



New Contributor
Posts: 163
Registered: ‎10-18-2012
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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
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

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.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






New Contributor
Posts: 163
Registered: ‎10-18-2012
0

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
New Contributor
Posts: 163
Registered: ‎10-18-2012
0

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
Frequent Contributor
Posts: 360
Registered: ‎08-31-2007
0

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%

| NFCU Cashrewards $17,500 | NFCU Platinum $15,000 | NFCU Navchk $10,000 | Amex BCE $1,000 | Amex HHonors $1,700 | Chase Freedom $1,400 | Chase Sapphire Preferred $2,800 | BOA 3-2-1 $10,000 | Barclays Apple $4,450 | CapOne Quicksilver $1,000 | OCCU Beaver $5,000 | CITI Diamond Preferred $2,500| Citi TYP $5,000 | GTE FCU $3,000 | | Discover IT $3,500 | Walmart Discover $8,000 | NCSECU $750 | NASA FCU $2,000| Chase Slate $2,800 | Barclays Reward MC $1,500| Best Buy $3,000 | Wells Fargo $3,000 | Chase Amazon $1,000
New Contributor
Posts: 163
Registered: ‎10-18-2012
0

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

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