Denied all in mini-app spree

[gsxraddict]

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@Anonymous wrote:

Maybe the OP was > 5/24 on the Chase apps?

Also as a side note, a collection is a collection with respect to FICO scoring.  Whether we agree with it or not, dollar amounts don't really matter.

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Not 5/24 It's been over two years since I've applied to a chase product and I've only got one chase card.

[Anonymous]

I am glad to read you got some approvals with other cards! Try amex and see if you have any offers. And you still could get the other ones!

[Anonymous]

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@gsxraddict wrote:

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@Anonymous wrote:

Maybe the OP was > 5/24 on the Chase apps?

Also as a side note, a collection is a collection with respect to FICO scoring.  Whether we agree with it or not, dollar amounts don't really matter.

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Not 5/24 It's been over two years since I've applied to a chase product and I've only got one chase card.

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Just an FYI, 5/24 includes ALL new revolving accounts, not just Chase.  Not saying that's the reason you're having trouble, just wanted to clarify.  

Regarding the collection, is it paid off?

[jlitnns]

I look at Equifax credit reports every week and I'm amazed at how many people have collections accounts of less than $100. Like you couldn't have paid that $58 sprint bill!?!?!?!

[Anonymous]

Op, my credit report has an error on my DOB. It prevented me from instant approvals. Now I just apply with the error DOB and get the instant approval. Good luck!

[arkane]

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@Anonymous wrote:

Op, my credit report has an error on my DOB. It prevented me from instant approvals. Now I just apply with the error DOB and get the instant approval. Good luck!

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Uhhh wouldn't disputing the incorrect DOB with the credit bureaus be much more effective? I mean ultimately you don't want any erroneous information on your credit report no?

[UncleB]

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@arkane wrote:

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@Anonymous wrote:

Op, my credit report has an error on my DOB. It prevented me from instant approvals. Now I just apply with the error DOB and get the instant approval. Good luck!

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Uhhh wouldn't disputing the incorrect DOB with the credit bureaus be much more effective? I mean ultimately you don't want any erroneous information on your credit report no?

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At the risk of sounding 'preachy' I'll add that the longer you put off correcting your DOB the more hassle it will be. 

I had a family member in a similar situation... it wasn't impossible to fix, although it would have been much simpler to have corrected it earlier on rather than 'kick the can' down the road.

[Meanmchine]

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@Anonymous wrote:

Maybe the OP was > 5/24 on the Chase apps?

Also as a side note, a collection is a collection with respect to FICO scoring.  Whether we agree with it or not, dollar amounts don't really matter.

Im not to sure about that statement. About a year or two ago, FICO announced that medical collection accounts < $100 would no longer effect FICO scoring.  However, once the account is placed on your file, it can reset your 'Date since last negative' counter

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[Ardecko]

Those changes are for FICO 9, which only a few lenders are using now. It will be a while before that's the general case.

[CreditCuriosity]

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@UncleB wrote:

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@arkane wrote:

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@Anonymous wrote:

Op, my credit report has an error on my DOB. It prevented me from instant approvals. Now I just apply with the error DOB and get the instant approval. Good luck!

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Uhhh wouldn't disputing the incorrect DOB with the credit bureaus be much more effective? I mean ultimately you don't want any erroneous information on your credit report no?

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At the risk of sounding 'preachy' I'll add that the longer you put off correcting your DOB the more hassle it will be. 

I had a family member in a similar situation... it wasn't impossible to fix, although it would have been much simpler to have corrected it earlier on rather than 'kick the can' down the road.

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Tell me about it.. IRS has my DOB as 12/13/YY vs. 12/31/YY so each year I file my taxes I gotta use 12/13 vs. 12/31.. Someone typed it wrong ALONG time ago and tried to fix it once and ya no very fruitful, will try again one of these years before I gotta collect social security if it still exists when i retire