topic Re: Successful Chase Freedom Recon??? in Credit Cards

Successful Chase Freedom Recon???

Anonymous — Fri, 26 Oct 2012 22:39:30 GMT

Has anyone had a successful Chase Freedom Recon with one 6 year old unpaid bad co? That was the one of the main reasons I got denied besides utlization (which I plan to PAY DOWN asap).

Thanks!

Re: Successful Chase Freedom Recon???

webhopper — Fri, 26 Oct 2012 22:46:00 GMT

I was approved with a paid judgment from 2006. It was paid in 2009

Re: Successful Chase Freedom Recon???

maiden_girl — Sat, 27 Oct 2012 00:23:42 GMT

YMMV. Low UTL and good reporting history from on out. If you apply and get a 30 day message...I'd called the backdoor number ASAP! Explain your reason for the previous baddie and how you've had better credit from then on out. You'd get it. Good luck!

Re: Successful Chase Freedom Recon???

Anonymous — Sat, 27 Oct 2012 00:41:27 GMT

My husband got the message, called back door number and reconned..got approved..only for $500, but we were happy to just get in with chase. Has one unpaid CA from 2008..a medical that the company won't validate.

Re: Successful Chase Freedom Recon???

Anonymous — Wed, 31 Oct 2012 15:35:06 GMT

I got Equifax to DELETE the 1 unpaid charge off from my credit report. Worth a recon now? I think it would be a HP since they'd have to repull my report.

Re: Successful Chase Freedom Recon???

maiden_girl — Wed, 31 Oct 2012 15:36:50 GMT

Did you double check to make sure your reports were updated? You dont wan't to waste a HP if it's still reporting even tho they "deleted" it. I think Chase is known to pull EX tho.

Re: Successful Chase Freedom Recon???

Anonymous — Wed, 31 Oct 2012 15:38:58 GMT

I have security freezes on my account, so I unfroze Equifax at the time of the application (for not real reason) so they originally pulled EQ. When pulling up the "dispute" online form, my credit report no longer reflects that negative charge off, as well as I have a copy of the letter from Equifax confirming deletion.

Re: Successful Chase Freedom Recon???

Anonymous — Wed, 31 Oct 2012 17:44:59 GMT

Would this be sufficient do you think?

Re: Successful Chase Freedom Recon???

Mellon — Wed, 31 Oct 2012 18:17:56 GMT

YMMV I had and have currently two paid chargeoffs (1 in 2010 and the other in 2012). Reconned and got the Freedom with a 2500 limit. They didn't even ask about my CO's. They questioned some inquiries and 2 minutes later approved. My overall utilization was 11%

Re: Successful Chase Freedom Recon???

Anonymous — Wed, 31 Oct 2012 18:40:09 GMT

Hm. Did they ask you how much you income was?

Re: Successful Chase Freedom Recon???

Mellon — Wed, 31 Oct 2012 18:42:19 GMT

yes they did ask for income

Re: Successful Chase Freedom Recon???

Anonymous — Wed, 31 Oct 2012 18:42:53 GMT

Gotcha. The three times I called, they didn't ask me for my income, which I felt was a little strange.