Chase Freedom Flex App Fraud Department Experience

[ibebarrett]

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@FinStar wrote:

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@ibebarrett wrote:

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@Remedios wrote:

Wait to see what happens with the application.

If you are approved, leave it alone, don't make noise.

If denied, call the automated number, speak with CSR and explain what happened. 

It can go either way since there is permissible purpose. While not so common, fraud concern can result in second pull to ensure correct report was pulled. 

It's really not relevant which pull they may consider for removal, but for current application, second pull most likely. 

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I'm sorry I worded that weird, which pull they recode doesn't really matter, I'm just hoping they look at the original pull for the application since that one is only 4/24 accounts and the second pull shows 5/24 accounts. Any way, thanks for the help, now just to play the waiting game! Thanks!

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As @Remedios mentioned upthread, it's fairly typical for Chase to access a combination of 2 CRs, such as EQ/EX in your situation.  This is also fairly typical in instances where an application can require further verification due to a data mismatch.  Just keep in mind, whether the second HP is recoded or not, the UW team will be able to see and evaluate the data from both CRs, not just one.

Hopefully a positive outcome will play in your favor, but just wait and see until the decision is finalized.

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Yeah I'm used to Chase always pulling EQ/EX for me, I'm just bummed that they pulled each bureau twice, but it is what it is! Once the dust settles I'll probably call about getting on set removed, but ultimately it's not a big deal because I have no plans to really apply for anything anytime soon anyway(aside from trying for the Flex again at some point if this one was denied) Thanks @FinStar !

[babygirl1256]

@ibebarrett You may still be approved -and- if not, then I'd recommend calling for a recon . . . Hope you are approved!