Chase Credit Card Application

[MarshallMan13]

I applied for Chase Freedom Unlimited card in branch and didn't get immidiate acceptance or denial. Gave me the 7-10 days response. I called the reconsideration line they said I was denied and when I asked for an explination they listed 3 accounts that were the primary factors. I found out they hadn't updated yet.

2 Charge offs

1  Account with high utilization rate

All 3 of these are properly taken care of and have been cleared.

I provided proof of documents to the bank manager and he said he would send them in and hopefully get it updated. I saw the accounts adjust and make the changes on Chase credit journey and on here (MyFico) Also pulled my report from annual credit report and saw things adjusted. When I talked to the reconsideration line they said they still have the old information and nothing has changed with my application or the status of those listed items. Is this just a timing thing? Do you think I'll have to pull another hard inquiry or will it update within the 30 day reconsideration period? Any advice will be appreciated and I'm open to asnwering any questions. On a side note they pulled trans union when they did the hard pull and I thought it was odd that both my Trans union and Experian score increased significantly (TU+40 and EX+60) right after the pull (within 6 hours of application and before having the updated documents sent in). Thanks in advance!

[FicoMike0]

+40 and +60 are big changes. What is your tu fico8? Did the charge offs age off your report, get deleted or what? What is present reported utilization? I wouldn't waste another hp until I thought I was likely to be approved.

I just got the chase prime card. They have a preapproval for prime, you might try that to test the waters.

[MarshallMan13]

Fico 8 TU jumped to 680. I've got great payment history other than those 2 charge offs which were holding me back for the past 3 years. I settled those accounts a few months ago. I did check out the pre approval for chase and it didn't comeback with any cards I'm just in this odd time frame where I believe I see the update but chase maybe doesn't Total time frame for everything on this fyi is 7-8 applied for CFU, called next day to see if I was approved 7-9. They then gave me the reasoning why (those 3 accounts) sent the documents to the manager at local branch to validate and send to the underwriters. Which is what he had offered to do for me after explaining the incorrect information on the report on the 10th. When I called yesterday on the 11th the underwriters said they still didn't see any updates but they had checked. I didn't make any calls today on the 12th or plan to over the rest of the weekend. Idk my gut keeps saying this is a weird timing issue and I can't find anything similar on here or reddit of a similar situation. I'm thinking maybe call in roughly a week and right before the 30 days is finished one last time. If still no approval I'll just wait awhile and reapply in 4-6 months. I'm currently carrying a credit one card which isn't all that bad for the card and rewards itself but the customer service is a nightmare and I don't trust the autopay system at all. I really want to move into the chase system and progress through it. I'll look into the amazon card a little more I just don't use amazon or really buy anything thats not everyday items. Either way i learned a valuble lesson about pulling my report the day of applying to make sure it looks the best.