Reply
Frequent Contributor
Posts: 336
Registered: ‎04-14-2008
0

chase recon--what they asked

just in case anyone wants this info:
 
I reconned (successfully!) a chase card.
 
Baddies were a collection paid 6 months ago, and 2 late payments to student loan and cc, both in 2003.
 
I brought up the student loan thing, and she said, "No, that was a long time ago, I'm more concerned about this Household bank late payment", but they were both from the same year, so??
 
Discover card that is marked 'closed by credit grantor' in 2004. I think it may have been closed due to inactivity, I honestly couldn't remember. I know I wasn't using it in 2004.
 
With the collection, I told her I had moved, didn't know about it, then paid it as soon as I found out about it, not realizing it would hurt my score, but I emphasized that I had tried to do the right thing. This seemed to put me over the top.
 
They pulled EQ AND TU, but I was told on the phone they pull EX almost exclusively. Guess not!
FAKO TU: 730 (Too poor to check the real scores these days!)
Valued Contributor
Posts: 1,986
Registered: ‎08-17-2007
0

Re: chase recon--what they asked

did they call you?  When i inquired about the dreaded BK question she told me to apply and they would call me about it. It is not necessarily a denial.
Contributor
Posts: 98
Registered: ‎02-28-2008
0

Re: chase recon--what they asked

Chase has never pulled EX for me (in PA).

When I applied they pulled EQ and TU - and when I requested a CLI they pulled TU only.
TU (3/30/09): 771
EQ (3/30/09): 751
EX (5/19/08): 715
Highlighted
Frequent Contributor
Posts: 336
Registered: ‎04-14-2008
0

Re: chase recon--what they asked



casinoannie97 wrote:
did they call you?  When i inquired about the dreaded BK question she told me to apply and they would call me about it. It is not necessarily a denial.


No--first they told me I was declined bc they couldn't verify my address. I said no one had tried. They sent that out again. In the meantime I called the backdoor # 4 or 5 times. (Impatient, no?) First 2 times it said "Still being reviewed" Then it said "we'll inform you in writing in 7-10 days". Then the last time I called it said "still being reviewed" again. Got a CSR, went through 3 people, including fraud prevention, and walla!
 
I didn't have a BK though, so I don't know what to tell you about that.
FAKO TU: 730 (Too poor to check the real scores these days!)
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.