Chase Slate Denial - Recon help

[Anonymous]

These forums have been nothing but helpful and I appreciate all the feedback!!

I am very new to credit, I had a Jared card that I used once and then PIF just to turn around and closed it(cheap jewelry retailing 200%+ markup ) I actually got it during a promo and had no interest after it. That was 2013. I haven't had any other TL since then. I finally graduated college and thought I would be a "big girl" and move onto the world of adult responsibilties!!😁 I've been an AU on my parents accts(BTW they have immaculate credit history) for 3 years, and when I applied for a comenity card (VS) I got approved for $250 - eh.. I figured. But I applied for the chase slate card and received an online msg stating they were reviewing the info and will contact Me. Fast forward to today, I received the letter and it states due to high # of inquiries and previous charge off acCT I was denied. Red flag for me, I checked my CR -all 3 and it shows the Jared acCT as charged off and a balance of $20. I know I'm going to have to dispute this incorrect reporting, but my question is, can I still recon ? Hopefully this makes sense and I've posted in the right thread. Any help or suggestions would be greatly appreciated!

[Anonymous]

@Teri444,

Welcome to the forum and sorry to hear about the denial.  With Chase you have up to 30 days to overturn a decision.  So your best option will be to have the charge off remove to re-apply or have Chase pull a fresh report showing the charge of has been removed.

How many inquiries are we talking about here though if you don't mind me asking?

[Anonymous]

Talking to a TU rep earlier, they said that any changes to my credit report can take up to 30-45 days to show. Inquiries on TU are 5. Thanks for the response!

[Anonymous]

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@Anonymous wrote:
Talking to a TU rep earlier, they said that any changes to my credit report can take up to 30-45 days to show. Inquiries on TU are 5. Thanks for the response!

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You are welcome.  This is what I will do if I were in your shoes.  I'd fight to get the charge of removed and not apply for anything, at the same time letting the inquiries age a bit and then once you see it removed, give the Chase Slate card a go again.

What do you think of this plan?

[DeeBee78]

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@Anonymous wrote:
These forums have been nothing but helpful and I appreciate all the feedback!!

I am very new to credit, I had a Jared card that I used once and then PIF just to turn around and closed it(cheap jewelry retailing 200%+ markup ) I actually got it during a promo and had no interest after it. That was 2013. I haven't had any other TL since then. I finally graduated college and thought I would be a "big girl" and move onto the world of adult responsibilties!!😁 I've been an AU on my parents accts(BTW they have immaculate credit history) for 3 years, and when I applied for a comenity card (VS) I got approved for $250 - eh.. I figured. But I applied for the chase slate card and received an online msg stating they were reviewing the info and will contact Me. Fast forward to today, I received the letter and it states due to high # of inquiries and previous charge off acCT I was denied. Red flag for me, I checked my CR -all 3 and it shows the Jared acCT as charged off and a balance of $20. I know I'm going to have to dispute this incorrect reporting, but my question is, can I still recon ? Hopefully this makes sense and I've posted in the right thread. Any help or suggestions would be greatly appreciated!

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Charged off is not the same as closed. If it's reporting as a charge off, and you actually closed it, you need to dispute it. 

[Anonymous]

I think that plan is awesome! Thanks so much!! And thanks DeeBee, I know that I will be disputing that in correction aggressively, I just didn't want to waste an opportunity/HP if I a had a chance at recon... but until all is well and right with my reports, looks like I'm going to have to wait to fight another day😆😆😆

[lg8302ch]

I would also recommend to address the CO but as for Chase I am not sure if that is the right lender to start with. Chase usually likes to see account history of 1 year. There are exceptions with approvals with less than a year history.  Are there any other cards your are interested in that would be easier to get than Chase?  Cap1 QS for example?