With your scores and history? 0%.
Just being honest...
@Anonymous wrote:
@tim1017 wrote:Apped for Chase Marriott (pulled EXP 652) and got denied. Too many new accounts, inquiries and 4 yr old charge off. Going to wait for my letter and then recon. I closed 4 accounts which were new in Nov 14 and overall utilization will be down to 19%. What's the recon success rate with Chase, don't have any of their cards.
What? Wait???
You had 4 new accounts from 11/2014 and YOU CLOSED THEM DOWN????????????????????? WTH? Why did you close all 4?
Toy limit store cards... see his other thread.
@TRC_WA wrote:
@Anonymous wrote:
@tim1017 wrote:Apped for Chase Marriott (pulled EXP 652) and got denied. Too many new accounts, inquiries and 4 yr old charge off. Going to wait for my letter and then recon. I closed 4 accounts which were new in Nov 14 and overall utilization will be down to 19%. What's the recon success rate with Chase, don't have any of their cards.
What? Wait???
You had 4 new accounts from 11/2014 and YOU CLOSED THEM DOWN????????????????????? WTH? Why did you close all 4?
Toy limit store cards... see his other thread.
I can't find the thread.. Can you link it? Or it is not allowed? The reason why I asked is seeing the other thread will help better answer OP's question in case inquiring minds are wondering why I asked about the old thread
@Anonymous wrote:
I can't find the thread.. Can you link it? Or it is not allowed? The reason why I asked is seeing the other thread will help better answer OP's question in case inquiring minds are wondering why I asked about the old thread
It's the "Kicking Comenity and Synchrony to the curb" thread... right below this one.
@TRC_WA wrote:
@Anonymous wrote:
I can't find the thread.. Can you link it? Or it is not allowed? The reason why I asked is seeing the other thread will help better answer OP's question in case inquiring minds are wondering why I asked about the old thread
It's the "Kicked Comenity and Synchrony to the curb" thread... right above this one.
@Anonymous thanks @TRC_WA. I will read it now..
@tim1017 wrote:
@TRC_WA wrote:With your scores and history? 0%.
Just being honest...
I appreciate honesty, lying does me no good lol. I looked at a credit pulls database and saw similar scores of mine, and all those "other" cards were soft pulls. The CO is not from chase and has been paid. In looking at Exp "amount of new credit" is a negative factor so I thought by closing the 4 accounts it would minimize the "new credit" listings in my report.
How long before a new account is considered not a hinderence in the form of "new credit"?
The length of time depends on who is doing the profile review.
For the record I can't get in with Chase. Never had an account with them and I can't get my foot in the door despite the fact I've rebuilt a very good profile. I applied and reconned requesting a $500 Freedom and they say no... citing a BK13 from 2009.
... but yet I have multiple $5k-10k cards with perfect history and no derogs since filing the BK13 over 6 years ago.
Chase is just a PITA lender. I have no doubt they'll be throwing cards at me at the end of the year when my reports are clean and my scores are into the 700's... but for now they hate me.
Oh well. 