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Established Contributor
bahbahd
Posts: 729
Registered: ‎08-12-2011
0

What's "seriously delinquent" to Chase

The Chase Freedom application starts with "Is your credit history clear from bankruptcies and/or seriously delinquent accounts?"

 

I'm just wondering what they consider seriously delinquent.

  • Recent CO?
  • Old CO, about to fall off?
  • Recent +30 day lates?
  • Over two year old +90 days lates?
  • Collection account new or old? (Obviously any recent, unpaid CA is delinquent.)
Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012
0

Re: What's "seriously delinquent" to Chase

[ Edited ]

bahbahd wrote:

The Chase Freedom application starts with "Is your credit history clear from bankruptcies and/or seriously delinquent accounts?"

 

I'm just wondering what they consider seriously delinquent.

  • Recent CO?
  • Old CO, about to fall off?
  • Recent +30 day lates?
  • Over two year old +90 days lates?
  • Collection account new or old? (Obviously any recent, unpaid CA is delinquent.)

I think they don't like collections period... I have one collection from 6+ years old and 2 charged offs (5-6 yrs old) when I applied for Amazon visa and they dinged me for the collection.. but i got approved on recon through Executive office(emailed).. (they denied me for recon through their recon line).. then I asked them if I could get the freedom instead and i had to apply and close the amazon...


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Valued Contributor
dodgerslv
Posts: 1,757
Registered: ‎06-16-2012
0

Re: What's "seriously delinquent" to Chase


kobe2012 wrote:

bahbahd wrote:

The Chase Freedom application starts with "Is your credit history clear from bankruptcies and/or seriously delinquent accounts?"

 

I'm just wondering what they consider seriously delinquent.

  • Recent CO?
  • Old CO, about to fall off?
  • Recent +30 day lates?
  • Over two year old +90 days lates?
  • Collection account new or old? (Obviously any recent, unpaid CA is delinquent.)

I think they don't like collections period... I have one collection from 6+ years old and 2 charged offs (5-6 yrs old) when I applied for Amazon visa and they dinged me for the collection.. but i got approved on recon through Executive office(emailed).. (they denied me for recon through their recon line).. then I asked them if I could get the freedom instead and i had to apply and close the amazon...


I can vouch for that...I applied back in August and I had a paid collection from 2010 (a utulity collection) and a paid charge off from 2007 but was recently paid in 2010 also and they denied my application and denied me on recon also (didnt help that the credit anyalist was being rude also)...so they dont like collections (paid or unpaid).


Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x2) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





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

Re: What's "seriously delinquent" to Chase


dodgerslv wrote:

kobe2012 wrote:

bahbahd wrote:

The Chase Freedom application starts with "Is your credit history clear from bankruptcies and/or seriously delinquent accounts?"

 

I'm just wondering what they consider seriously delinquent.

  • Recent CO?
  • Old CO, about to fall off?
  • Recent +30 day lates?
  • Over two year old +90 days lates?
  • Collection account new or old? (Obviously any recent, unpaid CA is delinquent.)

I think they don't like collections period... I have one collection from 6+ years old and 2 charged offs (5-6 yrs old) when I applied for Amazon visa and they dinged me for the collection.. but i got approved on recon through Executive office(emailed).. (they denied me for recon through their recon line).. then I asked them if I could get the freedom instead and i had to apply and close the amazon...


I can vouch for that...I applied back in August and I had a paid collection from 2010 (a utulity collection) and a paid charge off from 2007 but was recently paid in 2010 also and they denied my application and denied me on recon also (didnt help that the credit anyalist was being rude also)...so they dont like collections (paid or unpaid).


I actually got approved for a Freedom last week with 2 medical collections on 2 CR, but not on one.  The woman who helped me pulled the CR that didn't show the collections.  Not sure if I would have gotten approved otherwise.

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
dodgerslv
Posts: 1,757
Registered: ‎06-16-2012
0

Re: What's "seriously delinquent" to Chase

[ Edited ]

heathuhhhhwebbbb wrote:

dodgerslv wrote:

kobe2012 wrote:

bahbahd wrote:

The Chase Freedom application starts with "Is your credit history clear from bankruptcies and/or seriously delinquent accounts?"

 

I'm just wondering what they consider seriously delinquent.

  • Recent CO?
  • Old CO, about to fall off?
  • Recent +30 day lates?
  • Over two year old +90 days lates?
  • Collection account new or old? (Obviously any recent, unpaid CA is delinquent.)

I think they don't like collections period... I have one collection from 6+ years old and 2 charged offs (5-6 yrs old) when I applied for Amazon visa and they dinged me for the collection.. but i got approved on recon through Executive office(emailed).. (they denied me for recon through their recon line).. then I asked them if I could get the freedom instead and i had to apply and close the amazon...


I can vouch for that...I applied back in August and I had a paid collection from 2010 (a utulity collection) and a paid charge off from 2007 but was recently paid in 2010 also and they denied my application and denied me on recon also (didnt help that the credit anyalist was being rude also)...so they dont like collections (paid or unpaid).


I actually got approved for a Freedom last week with 2 medical collections on 2 CR, but not on one.  The woman who helped me pulled the CR that didn't show the collections.  Not sure if I would have gotten approved otherwise.


Congrats, im glad u had better luck than i did...as i said, the lady must have had a bad day cuz right from the start of our conversation i could sense she wasnt going to be much help, and the nicer i was with her, the less the chances were of getting approved, i even told her that since those paid collections/chargeoff,  my report has been clean and i had about a 12% utilization on my credit cards, i told her that i had heard great things about chase and even encourage me to open a savings/checking account with them and she still didnt budge...lol...oh well, i was able to get a discover the same day with less chances cuz they pulled TU which was has always been my lowest score.


Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x2) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





Established Contributor
kobe2012
Posts: 690
Registered: ‎03-16-2012
0

Re: What's "seriously delinquent" to Chase


dodgerslv wrote:

heathuhhhhwebbbb wrote:

dodgerslv wrote:

kobe2012 wrote:

bahbahd wrote:

The Chase Freedom application starts with "Is your credit history clear from bankruptcies and/or seriously delinquent accounts?"

 

I'm just wondering what they consider seriously delinquent.

  • Recent CO?
  • Old CO, about to fall off?
  • Recent +30 day lates?
  • Over two year old +90 days lates?
  • Collection account new or old? (Obviously any recent, unpaid CA is delinquent.)

I think they don't like collections period... I have one collection from 6+ years old and 2 charged offs (5-6 yrs old) when I applied for Amazon visa and they dinged me for the collection.. but i got approved on recon through Executive office(emailed).. (they denied me for recon through their recon line).. then I asked them if I could get the freedom instead and i had to apply and close the amazon...


I can vouch for that...I applied back in August and I had a paid collection from 2010 (a utulity collection) and a paid charge off from 2007 but was recently paid in 2010 also and they denied my application and denied me on recon also (didnt help that the credit anyalist was being rude also)...so they dont like collections (paid or unpaid).


I actually got approved for a Freedom last week with 2 medical collections on 2 CR, but not on one.  The woman who helped me pulled the CR that didn't show the collections.  Not sure if I would have gotten approved otherwise.


Congrats, im glad u had better luck than i did...as i said, the lady must have had a bad day cuz right from the start of our conversation i could sense she wasnt going to be much help, and the nicer i was with her, the less the chances were of getting approved, i even told her that since those paid collections/chargeoff,  my report has been clean and i had about a 12% utilization on my credit cards, i told her that i had heard great things about chase and even encourage me to open a savings/checking account with them and she still didnt budge...lol...oh well, i was able to get a discover the same day with less chances cuz they pulled TU which was has always been my lowest score.


for some reason, i keep gettin denied for discover (only two charged offs on EQ and no collection 5-6 yrs old).... :smileyfrustrated:


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Established Contributor
bahbahd
Posts: 729
Registered: ‎08-12-2011
0

Re: What's "seriously delinquent" to Chase

What CR did chase pull for you guys?

Valued Contributor
dodgerslv
Posts: 1,757
Registered: ‎06-16-2012
0

Re: What's "seriously delinquent" to Chase

[ Edited ]

bahbahd wrote:

What CR did chase pull for you guys?


they pulled EX here in NV for me.


Cards: (Citi x6) (Chase x5) (US Bank x3) (Amex x3) (Barclays x3) (BofA x2) (Cap1 x2) (WF x2) (Penfed x1) (Discover x1) (Sync/GE x4) (Macys x2)
Fico 08 scores (8/27/14) EX: 772 TU: 767 EQ: 778 (Utilization at 8% right now).





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

Re: What's "seriously delinquent" to Chase


bahbahd wrote:

What CR did chase pull for you guys?


When I applied I had freezes on all my CR.  I called, and had unfroze EQ.  Got denied.  Then reconned 3 more times and had them pull TU since I had the collections removed from only that CR. 

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
Established Contributor
bahbahd
Posts: 729
Registered: ‎08-12-2011
0

Re: What's "seriously delinquent" to Chase

When I applied I had freezes on all my CR.  I called, and had unfroze EQ.  Got denied.  Then reconned 3 more times and had them pull TU since I had the collections removed from only that CR. 


Did you pay for the freeze on EX and EQ? I pay for their credit monitoring services and they want $10 to freeze my account. I can freeze TU with a click.


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