@Sporky wrote:ChaseCSRR started popping up on myCreditmatchh profile recently. Does anyone know if this is an actual targeted offer from Chase or do I simply match their "credit profile". I have a 9.5 year old BK (did not include Chase) reporting and flawless credit beyond that with multiple 45kk limit cards. Don't want to waste a HP if it's essentially meaningless. This is the first time in 10 years that it has showed up, though.
the chase card I get recommended in Cardmatch well over 5/24 is the CSR, I don't think it means anything
do however, make a Chase Journey (chase's exp vantage 3.0 credit monitoring) account, real Chase pre-approvals can be found there
@Sporky wrote:Chase CSR started popping up on my Creditmatch profile recently. Does anyone know if this is an actual targeted offer from Chase or do I simply match their "credit profile". I have a 9.5 year old BK (did not include Chase) reporting and flawless credit beyond that with multiple $45k limit cards. Don't want to waste a HP if it's essentially meaningless. This is the first time in 10 years that it has showed up, though.
its illegal for a BK to report on your credit reports& multiple consumer rights were violated for that info to get published there. id take a look into how removing it, search googe/yt/instagram on the process.
chase is never a wasted HP imo if you're looking to start expanding your profile, since theyre 5/24 its necessary to know now or never if they're going to approve you. Opening a checking account with them then checking for 'offers' is one way to check.
id knock US bank, barclays, other sensitive lenders/CUs off the list as well while youre at it. only live once!
whats the worst that can happen this second time around, another bankruptcy? entire financial system is failling anyway 
@Sporkywelcome to the forums.Wait till the BK falls off all reports. Chase wont consider you for an approval till the. Yes there's one guy that slipped thru the cracks.
@barrymc0904 wrote:
@Sporky wrote:Chase CSR started popping up on my Creditmatch profile recently. Does anyone know if this is an actual targeted offer from Chase or do I simply match their "credit profile". I have a 9.5 year old BK (did not include Chase) reporting and flawless credit beyond that with multiple $45k limit cards. Don't want to waste a HP if it's essentially meaningless. This is the first time in 10 years that it has showed up, though.
its illegal for a BK to report on your credit reports& multiple consumer rights were violated for that info to get published there. id take a look into how removing it, search googe/yt/instagram on the process.
chase is never a wasted HP imo if you're looking to start expanding your profile, since theyre 5/24 its necessary to know now or never if they're going to approve you. Opening a checking account with them then checking for 'offers' is one way to check.
id knock US bank, barclays, other sensitive lenders/CUs off the list as well while youre at it. only live once!
whats the worst that can happen this second time around, another bankruptcy? entire financial system is failling anyway
@barrymc0904 Huh?
"The Fair Credit Reporting Act is the law that controls credit reporting companies. The law states that credit reporting companies may not report a bankruptcy case on a person's credit report after ten years from the date the bankruptcy case is filed or discharged.
See 15 U.S.C. § 1681(c) (link is external)"
https://www.moeb.uscourts.gov/faq-credit-reporting-and-bankruptcy-court
@FireMedic1 wrote:
@barrymc0904 wrote:
@Sporky wrote:Chase CSR started popping up on my Creditmatch profile recently. Does anyone know if this is an actual targeted offer from Chase or do I simply match their "credit profile". I have a 9.5 year old BK (did not include Chase) reporting and flawless credit beyond that with multiple $45k limit cards. Don't want to waste a HP if it's essentially meaningless. This is the first time in 10 years that it has showed up, though.
its illegal for a BK to report on your credit reports& multiple consumer rights were violated for that info to get published there. id take a look into how removing it, search googe/yt/instagram on the process.
chase is never a wasted HP imo if you're looking to start expanding your profile, since theyre 5/24 its necessary to know now or never if they're going to approve you. Opening a checking account with them then checking for 'offers' is one way to check.
id knock US bank, barclays, other sensitive lenders/CUs off the list as well while youre at it. only live once!
whats the worst that can happen this second time around, another bankruptcy? entire financial system is failling anyway
@barrymc0904 Huh?
"The Fair Credit Reporting Act is the law that controls credit reporting companies. The law states that credit reporting companies may not report a bankruptcy case on a person's credit report after ten years from the date the bankruptcy case is filed or discharged.
See 15 U.S.C. § 1681(c) (link is external)"https://www.moeb.uscourts.gov/faq-credit-reporting-and-bankruptcy-court
Exactly Lordy people will post anything ......
@FireMedic1 wrote:
@barrymc0904 wrote:
@Sporky wrote:Chase CSR started popping up on my Creditmatch profile recently. Does anyone know if this is an actual targeted offer from Chase or do I simply match their "credit profile". I have a 9.5 year old BK (did not include Chase) reporting and flawless credit beyond that with multiple $45k limit cards. Don't want to waste a HP if it's essentially meaningless. This is the first time in 10 years that it has showed up, though.
its illegal for a BK to report on your credit reports& multiple consumer rights were violated for that info to get published there. id take a look into how removing it, search googe/yt/instagram on the process.
chase is never a wasted HP imo if you're looking to start expanding your profile, since theyre 5/24 its necessary to know now or never if they're going to approve you. Opening a checking account with them then checking for 'offers' is one way to check.
id knock US bank, barclays, other sensitive lenders/CUs off the list as well while youre at it. only live once!
whats the worst that can happen this second time around, another bankruptcy? entire financial system is failling anyway
@barrymc0904 Huh?
"The Fair Credit Reporting Act is the law that controls credit reporting companies. The law states that credit reporting companies may not report a bankruptcy case on a person's credit report after ten years from the date the bankruptcy case is filed or discharged.
See 15 U.S.C. § 1681(c) (link is external)"https://www.moeb.uscourts.gov/faq-credit-reporting-and-bankruptcy-court
there're exist many other USC codes as well. maybe 'illegal' wasnt the best term of choice, but this is def a thing and this isnt too niche of info, shouldnt take much to look into it yourself outside this forum.
your BK was never supposed to be put onto your Bk and should only be locatable upon consented searches of other databases. people are getting these removed off their CRs left and right.
most business is being done on the basis of 'generally accepted practices.' doesn't mean those practices are technically proper but moreso just generally accepted by the masses without question.
Essentially, there are only two circumstances under which you can remove a bankruptcy record from your credit report:
The bankruptcy information is incorrect (i.e., mistaken identity, already discharged, etc.); or
The bankruptcy is old enough to be removed
Those YT, Instgram and other places are just bunk. Especially YT.
@Jnbmom wrote:
@FireMedic1 wrote:
@barrymc0904 wrote:
@Sporky wrote:Chase CSR started popping up on my Creditmatch profile recently. Does anyone know if this is an actual targeted offer from Chase or do I simply match their "credit profile". I have a 9.5 year old BK (did not include Chase) reporting and flawless credit beyond that with multiple $45k limit cards. Don't want to waste a HP if it's essentially meaningless. This is the first time in 10 years that it has showed up, though.
its illegal for a BK to report on your credit reports& multiple consumer rights were violated for that info to get published there. id take a look into how removing it, search googe/yt/instagram on the process.
chase is never a wasted HP imo if you're looking to start expanding your profile, since theyre 5/24 its necessary to know now or never if they're going to approve you. Opening a checking account with them then checking for 'offers' is one way to check.
id knock US bank, barclays, other sensitive lenders/CUs off the list as well while youre at it. only live once!
whats the worst that can happen this second time around, another bankruptcy? entire financial system is failling anyway
@barrymc0904 Huh?
"The Fair Credit Reporting Act is the law that controls credit reporting companies. The law states that credit reporting companies may not report a bankruptcy case on a person's credit report after ten years from the date the bankruptcy case is filed or discharged.
See 15 U.S.C. § 1681(c) (link is external)"https://www.moeb.uscourts.gov/faq-credit-reporting-and-bankruptcy-court
Exactly Lordy people will post anything ......
im not bored enough nor expert enough to defend this at any severe length and going to start posting datapoints or case law etc. but again, if youre actually curious, there's lots of info on this.
as i said in my reply above, theres a big diff between 'generally accepted practice' and whats proper.
i know nothing and one thing that continually rings true in life and as Albert Einstein put it best: "The more I learn, the more I realize how much I don't know."