Want to apply for Chase Sapphire but want opinions first

[enharu]

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@BL_HBY wrote:

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@enharu wrote:

to OP:
Get that collection removed, since it isn't yours. Chase is most likely going to pull EX.

Apply after you've taken care of it. 

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I've disputed it in the past, including within the last few weeks.  3 years ago it actually showed as 3 different CO because some modcut the collections agencies had. Boston Gas was the original account that was reported to collections.  It was purchased by National Grid, I believe, who also reported the account as being in collections.  They then sent it to another agency.  

I immediately reported all 3 accounts upon finding this out.  I was initially told that I had to file a police report but my mother sent proof that I was a minor and I stopped hearing from the agencies and all 3 accounts disappeared from TU and EQ.  When I checked again last year (after being denied the loan) I found that they were still on my EX.  I disputed them again stating that a.) I was a minor and never authorized the account , b. it was a load of bull that they were reporting the same debt 3 times on my credit report.  I got confirmation about a day later that the Collections agency and National Grid accounts got removed.  The original Boston Gas still remains as of my dispute from a week or two ago.

Due to its age it's due to be removed in April 2014. I'm not sure what else I can really do to get it removed. The person who opened the account has since died and I'm not sure if I could even still file the police report since the account was opened in June 2007 and I wasn't aware of it until Mid 2010. 

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you can still file a police report and try to get it removed, if not it's best to wait until it falls off.

How much is the collection for? If it's not for a lot of money your chances won't be affected that much. You might just have to explain to an underwriter.

edit to remove mild profanity

webhopper

[LS2982]

I agree I wouldn't worry about the collection go for it!

[BL_HBY]

$1999

[FinStar]

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@BL_HBY wrote:

$1999

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$19.99 no problem.

$1,999.00 - Ouch.  Definitely sticks out like a sore thumb for sure -- any underwriter (under manual review) will definitely not see this as favorable, even with a suitable rebutal.

As others have pointed out, it is in your best interest to take care of this outstanding CO item, if you expect to leverage any chance of approval - especially in Chase's eyes.

[Raccoon290]

Ok, so I had no SSN tied to my account and forgot my password. I called and talked to a CSR to did something so I can register a new address and login that way.  The forum account didn't move over (don't really care it was like 4 posts).  I am the OP of the thread though.

Anyhow, thought I'd share an update.

A few days after posting this thread I emailed Capital One EO and got a CLI to $2k from the original $500. I also contacted Experian about the collection account.

That didn't work out that well (still shows on EX but only EX as before. No clue why), but they did put a 90 day freeze on my report and the account shows that I disputed it.

I also ended up PC'ing to the Discover IT and getting a CLI bringing that to $8k. The auto CLI or the requested CLI still haven't reported, however. 

Last night I got tired of waiting and said "screw it" and apped for the CSP.  I got the "we need more information" message. I got a bit nervous thinking I wasted an inquiry.  Just called about an hour ago and had to verify quite a bit of info (Probably relating to the freeze). After a minute or so of being hold I was told I was approved for $6600. 

She did say "Chase Sapphire", but since I applied for the CSP I'm hoping it was more of a slip than being denied for the CSP but not the CS.  I'll find that out once i get the card.

tl;dr Even with the CO I ended up getting approved.