Chase Credit Card Non Approval

[Anonymous]

Hello Forum, I had a question about having a chase credit card.

I have a charged off debt from Chase 8 years ago, my credit score right now is 765 and i have a great credit history, but I got denied due to "delinquency or other derogatory relationship with the bank". I called them and of course its that pesky charge off 8 years ago. luckily they were closed and i did not get to talk to them. I heard if i talk to them they will revive by debt and make it crazy for me. i know sol makes it that they cant and its a zombie charge off, but how do i take this off from the internal side of chase. 

thank you forum and have a wonderful night!

[firetech593]

Gardner, the EO can circomvent the blacklist denial, but it wont go away. 

I has a WAMU card that was charged off while chase was assuming their debt around 2005 or so.. Chase thinks that I screwed them. It took 2 years for me to convince them to give me any credit. Now I have 4 cards with them, but its always a backdoor recon.

[Anonymous]

o man, that long to reconcile something you did not do. 

that kind of sucks, should I call them to tell them to reconsider or will that open up my debt again from WAMU 8 years ago?

[Anonymous]

thanks for the response, people like you helped me get my score back up from the forum long time ago. I just never signed up till today. What a great site with great people!

[firetech593]

I paid mine to LVNV (ugh) for a fraction of the debt. Somehow it fell off my reports shortly after.
If you still owe them money, they may not extend you any credit.
Your state's sol determines if they can sue, but its up to them if they will "hold a grudge".

[takeshi74]

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@Anonymous wrote:

I heard if i talk to them they will revive by debt and make it crazy for me. i know sol makes it that they cant and its a zombie charge off, but how do i take this off from the internal side of chase. 

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You have to resolve it with them if you want credit with them.

[Callandra]

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@takeshi74 wrote:

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@Anonymous wrote:

I heard if i talk to them they will revive by debt and make it crazy for me. i know sol makes it that they cant and its a zombie charge off, but how do i take this off from the internal side of chase. 

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You have to resolve it with them if you want credit with them.

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+1 This. If it is out of SOL, they cannot sue you. They cannot make it re-appear on your credit reports if the DoFD is past 7 years and 180 days. 

But they can refuse you credit for the rest of your life. There is no SOL on a blacklist. If you really want a card from them, you will have to plead your case to an U/W or pay it back. 

[Anonymous]

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@firetech593 wrote:

Gardner, the EO can circomvent the blacklist denial, but it wont go away. 

I has a WAMU card that was charged off while chase was assuming their debt around 2005 or so.. Chase thinks that I screwed them. It took 2 years for me to convince them to give me any credit. Now I have 4 cards with them, but its always a backdoor recon.

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my denials said previous negative relationship with chase... even though EO said it had no impact in decision... had to recon twice, but did get it approved.