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Testing Chase waters again...

Valued Contributor

Re: Testing Chase waters again...

Outright denial letter, dated day after app. They never updated auto advisor. Cites old account, and no score/CRA info not used in determination. BLACKLIST STILL IN EFFECT.
Established Contributor

Re: Testing Chase waters again...


Burned2manybridgesB4 wrote:
Outright denial letter, dated day after app. They never updated auto advisor. Cites old account, and no score/CRA info not used in determination. BLACKLIST STILL IN EFFECT.

Are you now planning to call backdoor number?

Valued Contributor

Re: Testing Chase waters again...

Waste of time, but I might as well, just to get a laugh from a csr.
Established Member

Re: Testing Chase waters again...

Damn, that's disappointing. Might as well call recon, you have nothing to lose


Starting Score: 626 TU FICO
Current Score: 735 EQ FICO
Goal Score: 780


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Valued Contributor

Re: Testing Chase waters again...

Wow! I'm so sorry! I can't believe Chase blacklists for over a decade even though you finally paid the outstanding debt. Unbelievable! 13 years and still no love from Chase. That tells other folks reading this that if you screw up with Chase, you go on their hit list for real! I am still holding out hope that the recon will be successful for you. Keep us updated.
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! Smiley Happy Last App: 4/5/13 Gardening until July 2014
Moderator Emerita

Re: Testing Chase waters again...

Talking about holding a grudge! Hopefully, the recon will be successful.
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Established Contributor

Re: Testing Chase waters again...

did you send letters to executive office? and the debt has to be paid in full, Chase is very forgiving they removed 2 charged off accounts from my friend's parents report last year after a goodwill letter + 100% payment check. Just wrote the truth of how her mom had to go to Vietnam for her mom's funeral and ended up staying there for 6 months to take care of her grandpa and somehow thought it was on auto pay.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Contributor

Re: Testing Chase waters again...

Sorry! I thought you had it with the 3 pulls. Try to call and recon. It can't hurt.

Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Super Contributor

Re: Testing Chase waters again...

i would call recon, write letters to their executive office, and even talk to a branch manager.

 

You paid off whatever you owed them entirely, although they could argue that they lost out on interests for that money for a few years. But paying off a bad debt is much better than running off a bad debt.


I am sure there'll be someone in Chase who's willing to reconsider your profile.

 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Valued Contributor

Re: Testing Chase waters again...

No recon. CH#7 is a killer for me, due to amount. Not worth revisiting the debt wiped, just to hold one of their cards.