Chase Freedom Recon...CLI?

[stagefoursurvivor]

Received a VM message to call "Fraud Dept"(?) hopefully to confirm something/verification for approval. I understand if I request a CLI on approval, theyll do another HP. They only pulled Ex when I submitted online.

The question now, what happens since I now have Ex on ice?

[CreditCuriosity]

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@stagefoursurvivor wrote:

Received a VM message to call "Fraud Dept"(?) hopefully to confirm something/verification for approval. I understand if I request a CLI on approval, theyll do another HP. They only pulled Ex when I submitted online.

The question now, what happens since I now have Ex on ice?

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Fraud department is verification department..  Call them back, if you applied you are approved... There are other CB's then EX they can pull eq/tu...  which they probably did.

My two have been TU only pulls

[stagefoursurvivor]

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@CreditCuriousity wrote:

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@stagefoursurvivor wrote:

Received a VM message to call "Fraud Dept"(?) hopefully to confirm something/verification for approval. I understand if I request a CLI on approval, theyll do another HP. They only pulled Ex when I submitted online.

The question now, what happens since I now have Ex on ice?

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Fraud department is verification department..  Call them back, if you applied you are approved... There are other CB's then EX they can pull eq/tu...  which they probably did.

My two have been TU only pulls

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Nope, only Ex on application. Eq & TU are about the same score PLUS, INQs seem to "disappear" in a very short time, so fine with me if they pull those.

[stagefoursurvivor]

OK, put me on hold for 10 minutes(yes, 10!), asked me a buncha security verification questions, faxing a copy of DL...and wait for a decision?

[CreditCuriosity]

you are approved.... standard verification.  Don't worry about it imo.. common

[stagefoursurvivor]

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@CreditCuriousity wrote:

you are approved.... standard verification.  Don't worry about it imo.. common

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Yes, I'm inclined to agree HOWEVER, the more important question is the SL. My current range is only $1k to $3K, the bigger ones aren't reporting yet. Funny how you become "jaded" after being approved for $3, 5 & 7K SLs and when you're approved for anything less, you're insulted.

Somewhat befuddling, I was declined the Amazon 1/12/15 and got the AA letter yesterday, the "RISK" score was 605!(somehow integrated with Ex).

[CreditCuriosity]

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@stagefoursurvivor wrote:

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@CreditCuriousity wrote:

you are approved.... standard verification.  Don't worry about it imo.. common

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Yes, I'm inclined to agree HOWEVER, the more important question is the SL. My current range is only $1k to $3K, the bigger ones aren't reporting yet. Funny how you become "jaded" after being approved for $3, 5 & 7K SLs and when you're approved for anything less, you're insulted.

Somewhat befuddling, I was declined the Amazon 1/12/15 and got the AA letter yesterday, the "RISK" score was 605!(somehow integrated with Ex).

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Chase Amazon is a harder card to get them the freedom for whatever reason.. Tried many times and denials.. no problems with Freedom/CSP though... Many cases of this with others as well.  The score they mention is their internal score of you, its not a fico.