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Chase Recon day 1 of the wait

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Bmom
Contributor

Chase Recon day 1 of the wait

  I applied for the Freedom Flex I had a Freedom in 2014 that eventually was charged off in 16 or 17 I think. I was denied a few weeks ago but couldn't recon until today. I spoke with a lovely CSR who transfered me to another very sweet lady. 

  She asked about 2 accounts I have (one paid, one unpaid) and my income.  I've been working so hard on fixing my past mistakes.  I told her to use the 70k though I probably could claim more due to overtime. 

  After several holds she said it needs further review,  and I will know in a week or two. After this, my rebuilding is done either way for a while. Now to get my sapling. Fingers crossed. 

EQ 784, TU 700, EX 683
Mortgage 5, 4, 2: EQ 783, TU 683, EX 661

Starting (started months ago, checked scores after some improvements): EQ 599, TU 653, EX 672
Mortgage 5, 4, 2: EQ 592, TU 657, EX 639
Message 1 of 12
11 REPLIES 11
FireMedic1
Community Leader
Mega Contributor

Re: Chase Recon day 1 of the wait

Was the charge off paid? Chase has a loooong memory.



BK Free Aug25
Message 2 of 12
Bmom
Contributor

Re: Chase Recon day 1 of the wait

No. So I don't have high hopes. Okay, I do..... but I know it might be a long shot.  However, they didn't mention it in recon. 

EQ 784, TU 700, EX 683
Mortgage 5, 4, 2: EQ 783, TU 683, EX 661

Starting (started months ago, checked scores after some improvements): EQ 599, TU 653, EX 672
Mortgage 5, 4, 2: EQ 592, TU 657, EX 639
Message 3 of 12
Chazzay12
Frequent Contributor

Re: Chase Recon day 1 of the wait

Best of luck. Have you called the app status line? 800-432-3177. What does robolady say? 

Unfortunately I'm not sure the chances with a prior charge off with Chase, but sending you all the luck! 

 

I recently went thru this process with a CSP and it took exactly 2 weeks to get approval.. but I didn't burn chase at all. 

Discover It (Student) $1500 | Capital One QS $2300 | Amex BCE $4800 | Chase FU $3200 | Amex Green NPSL | CSP $4200 | Discover it $3000
Car loan w/ Langley 3.5%
Homeowner since April 2023

Starting Score: 580s
Current Score as of May 2024: EX 668, TU 671, EQ 646
Goal Score: 700+, working on paying high utl cc debt


Take the myFICO Fitness Challenge
Message 4 of 12
Bmom
Contributor

Re: Chase Recon day 1 of the wait


@Chazzay12 wrote:

Best of luck. Have you called the app status line? 800-432-3177. What does robolady say? 

Unfortunately I'm not sure the chances with a prior charge off with Chase, but sending you all the luck! 

 

I recently went thru this process with a CSP and it took exactly 2 weeks to get approval.. but I didn't burn chase at all. 


Thank you for the luck. I'll need it. Robo bot says 7-10 days, so probably a no. Recon lady said 1 to 2 weeks. 

EQ 784, TU 700, EX 683
Mortgage 5, 4, 2: EQ 783, TU 683, EX 661

Starting (started months ago, checked scores after some improvements): EQ 599, TU 653, EX 672
Mortgage 5, 4, 2: EQ 592, TU 657, EX 639
Message 5 of 12
FireMedic1
Community Leader
Mega Contributor

Re: Chase Recon day 1 of the wait

Still owing? Ouch. Best of luck!



BK Free Aug25
Message 6 of 12
PayAndProsper
Regular Contributor

Re: Chase Recon day 1 of the wait

Nothing is stopping you from following up before the 2 weeks. I recently did a Chase app for someone else with a POA and was initially declined. I called back and was told there would be time while they are reconsidering it. I ended up being declined again. The third time I called into the recon I pled the case again, expressed that I just wanted to be part of the Chase ecosystem, and stated that I understood that they may be concerned about risk so I would understand if it were only a few hundred for a starting limit, that I just was asking for an opportunity. A day later, it was approved. It was only $500 with near-max APR and zero cash advance capabilities, but I was just happy to be able to get them in. Everything else can be built upon from there.

 

I am not saying it was a particularly similar case with this annecdote; rather, I just wanted to highlight that calling frequently (those calls were only a day apart) does not necessarily cause any harm. Also, I was informed by them that the recon is usually only available for about a month before they make you re-apply. So, if you have already waited a few weeks before initiating the process, after waiting for snail mail rejection to get to you, you may not have any recourse from that point.

Bottom line: unless they expressly asked me not to, I would continue to call and follow up with the process. Just my humble opinion. Good luck!


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Current FICO® Score 8:

Goal FICO® Score 8:


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Message 7 of 12
Bmom
Contributor

Re: Chase Recon day 1 of the wait

Probably not a bad idea. My inquiry hit 4/29 so the clock is ticking. 

EQ 784, TU 700, EX 683
Mortgage 5, 4, 2: EQ 783, TU 683, EX 661

Starting (started months ago, checked scores after some improvements): EQ 599, TU 653, EX 672
Mortgage 5, 4, 2: EQ 592, TU 657, EX 639
Message 8 of 12
Meanmchine
Super Contributor

Re: Chase Recon day 1 of the wait

I had a Wasington Mutual card that Chase bought and charged off.  Took me 12 years to get back in.

Good luck

 

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching
Message 9 of 12
Bmom
Contributor

Re: Chase Recon day 1 of the wait

Update: they told me to take a long walk off a short pier. The old negative was one of the reasons this time. Guess my next step is trying to pay it and try again next year. 

EQ 784, TU 700, EX 683
Mortgage 5, 4, 2: EQ 783, TU 683, EX 661

Starting (started months ago, checked scores after some improvements): EQ 599, TU 653, EX 672
Mortgage 5, 4, 2: EQ 592, TU 657, EX 639
Message 10 of 12
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