That's interesting, whenever it's not an instant denial there's hope, especially with Chase these days.

 

Well, there is hope. Good luck.

Following up on my app from last week. I received a letter in the mail today. Denied for the following reasons -

 

Credit report reflects a bankruptcy

Credit report shows a tax lien, public record or collection

Credit report reflects charge off(s) or bad debt collection(s)

 

I guess all of the above is correct -

 

So, bankruptcy - check

Tax liens - check (a few of those)

Bad dept/collections - check

 

All of these were from before my bankruptcy that was discharged 2/2010. Report was pulled from EX.  They don't list anything that makes me think that I'm listed because of the account that I had with them that was included in my BK. 

 

I wonder if I should bother trying again in 2 years or don't bother until the BK falls off. That will be gone before the tax liens are.

 

Question for you all:

 

Say you are on the blacklist and the only way to get off the list is to pay the outstanding debt. What if that debt was sold and if you pay them would you be off their blacklist?

 

I am about to test this right now. 3 Co drop off so let see : )

i just apply for chase freedom.

 

Thank you for applying.  Your application requires further review before making a decision.

 

i had 3 Co with chase some were sold to other company that i paid off. it has been more that 7 years.

 

 

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911gt34life wrote:

i just apply for chase freedom.

 

Thank you for applying.  Your application requires further review before making a decision.

 

i had 3 Co with chase some were sold to other company that i paid off. it has been more that 7 years.

 

 

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well id call the recon line in the morning then. 

I had an acct with WaMu that was charged and paid and when I got the letter, they said I couldn't apply because I already had the Chase Slate. I called and they told me that because I previously had a card, I couldn't get another since it was charged off....they coded all previous accounts with WaMu as the slate card or some dumb Ish

I was pissed

i love you chase.

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911gt34life wrote:

i love you chase.

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I take it you were approved.