topic Re: Chase Approval in Credit Card Applications

Chase Approval

Anonymous — Tue, 09 Jul 2019 13:39:18 GMT

Hi!

Wondering if anybody has any insight, and can help me?

I had some identity theft and there was a Chase card that was charged off, it has since been removed from my credit file on all bureaus.

I was wondering will this affect me if I apply for a Chase card years later? Like will it still be showing on Chase's "internal" system?

Or should I not even waste my chances applying?

Thanks!

Re: Chase Approval

Anonymous — Tue, 09 Jul 2019 13:50:16 GMT

Someone else might have more accurate information here but my best guess is if chase recognized this as an actual fradulent account then they should not be holding it against you. You can always call them and have someone check.

Re: Chase Approval

CreditInspired — Tue, 09 Jul 2019 13:50:45 GMT

Hi,

So that I understand better, why was the Chase card charged off instead of being closed due to identity theft and then Chase reissuing a new card?

Also, I am almost certain that this is reflected in Chase's internal database.

Re: Chase Approval

Remedios — Tue, 09 Jul 2019 13:59:29 GMT

@Anonymous wrote:
Hi!
Wondering if anybody has any insight, and can help me?
I had some identity theft and there was a Chase card that was charged off, it has since been removed from my credit file on all bureaus.
I was wondering will this affect me if I apply for a Chase card years later? Like will it still be showing on Chase's "internal" system?
Or should I not even waste my chances applying?
Thanks!

Yes, they will retain information on any account indefinitely

Whether your app would be approved or denied that would depend on circumstances under which card was closed.

If they were not notified right away, and it went delinquent all the way to CO, they will hold the grudge if you were primary account holder.

So, it would really all depend on the story how the account happened to become a CO.

Re: Chase Approval

Anonymous — Tue, 09 Jul 2019 14:02:59 GMT

I was naive to credit prior to the past year. Never really checked my score, didn't have the need to. Now that I'm "adulting" these things matter, I say all that to say.. by the time I pulled my report and noticed some things on there that I had no clue what they were.. the card had already been charged off.. back in 2014 or 2015. Hope that answers your question.

Re: Chase Approval

Remedios — Tue, 09 Jul 2019 14:14:29 GMT

@Anonymous wrote:
I was naive to credit prior to the past year. Never really checked my score, didn't have the need to. Now that I'm "adulting" these things matter, I say all that to say.. by the time I pulled my report and noticed some things on there that I had no clue what they were.. the card had already been charged off.. back in 2014 or 2015. Hope that answers your question.

I think that your application has a high chance of resulting in denial but there is really no way to tell without applying

I've read about chase approving a few years after a CO but also not approving 10 years after a CO

Worst case scenario is one or two HPs.

Good luck

Re: Chase Approval

CreditInspired — Tue, 09 Jul 2019 15:44:17 GMT

@Anonymous wrote:
I was naive to credit prior to the past year. Never really checked my score, didn't have the need to. Now that I'm "adulting" these things matter, I say all that to say.. by the time I pulled my report and noticed some things on there that I had no clue what they were.. the card had already been charged off.. back in 2014 or 2015. Hope that answers your question.

I still don't understand and it's ok if you prefer not to answer.

Was the CC in your name or were you an AU?

If in your name, were you paying on time or did you miss some payments?

Were you aware of the identity theft? If yes, did you notify Chase? If yes, did you file a police report?

What was Chase's response?

If the CC was in your name, you should have been getting some type of notifications from Chase.

I agree with Remedios, the chance of an approval is slim. However, there may be some hope if you contact Chase and ask them about the charge off and see if there's anything you can do to rectify the situation.

GL2U

Re: Chase Approval

SouthJamaica — Tue, 09 Jul 2019 15:58:46 GMT

@Anonymous wrote:
Hi!
Wondering if anybody has any insight, and can help me?
I had some identity theft and there was a Chase card that was charged off, it has since been removed from my credit file on all bureaus.
I was wondering will this affect me if I apply for a Chase card years later? Like will it still be showing on Chase's "internal" system?
Or should I not even waste my chances applying?
Thanks!

If I were you I would want to talk to somebody at Chase.