Hey Y'all,
I applied for the CFU on Sept 30th, and got an auto denial. Their system sent me a document that same day saying the denial reason was charge offs/ bad debt collections.
They used TU and got 633
Thankfully I was able to put in a dispute at TU and the only charge off on my report was deleted (I didn't have any collections).
When I tried calling the App Recon - Credit Analyst backdoor number it put me on an automated system that said they were still processing my application and that I would get a letter in the mail in 7-10 business days, no option to talk to a rep. So I tried the App status with option to speak to rep backdoor number, got a rep, and she said I was declined, but would need to wait until I got the letter in the mail to call back an chat with a recon rep.
Does anyone know a workaround for this so I can start recon ASAP, or do I have to wait for them to physically mail me the letter they already have in my Chase online portal?
