Someone give me objective advice!

[TRC_WA]

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@SecretAzure wrote:

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The denial reason goes through a lottery. If your profile doesn't suit their tastes, they simply pick any small detail, relevent or not, and deny you for it.

-Too many new account

-Too many inquiries

-Not enough history of on time payments

-Low average age of open accounts

-This one time you forgot to pay a card and paid it the very next day

Or however many other small things that they don't like may be used to deny you.

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Mine is "too many accounts with delinquiency and/or public record on file" despite it being over 6 years ago with less than a year till deletion.

They could leave out the first part though... I filed Ch 13 and all my accounts were current.  I reorganized and paid back my debt... I didn't do a Ch 7 burn and Chase wasn't included anyway.

They'll be throwing cards at me in another 6 months.  Not sure I'll bother with them though... so many Chase horror stories and I've survived this long without them.

[Anonymous]

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@Creditaddict wrote:

What "new" policy?

I got approved just over a week ago for my 5th Chase card (Zappos) and they pulled EX with over 90 INQ's and 40+ new accounts in last 24 months

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The policy doesn't apply to co-branded cards.

[itguy_65]

Just a thought, have you tried asking to have the paid collections removed from the CRs??  If that didn't work, did you try disputing as inaccurate information??

[Anonymous]

Yes. I used to have 7 on my TU. 

I'm working on the couple I have left so wish me luck!