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Are the offers being pulled from the prequalification page or from his online account with the green checkmarks? I ask because the checkmarks while not a guaranteed approval they are as close as a sure thing as there is with Chase.
The only things I would be careful with are:
The Heloc was opened in 2003 and was due in 2015 which we couldn’t pay so it was charged off.
Target CL 2700 Bal 1550
-- this one is really concerning not only for the balance / interest at 2X%
I would get the balance paid off on Target to get the most points out of his scores before applying. Even with the pre-approvals it's worthwhile to just app outright w/o using the links. I manage to save 2-5% off the APR in the pre-approvals typically w/ a fresh HP w/o taking into the consideration what they're trying to sell me.
Taking into consideration his account from 2003 that survived the C/O is a good indicator of a potential approval. He's obviously got some credit if he's able to get HD to 17K and 1.99% financing.
In addition to Chase I would take a spin over to Amex and request a CLI and look for some potential matches for the bonuses being offered on the BCE/BCP and ED/EDP.
@Anonymous wrote:
We are a bit worried about applying since he burned Chase before. We have a first mortgage is under my name only with Wellsfargo and Heloc $35K under his name only with Chase. The Heloc was opened in 2003 and was due in 2015 which we couldn’t pay so it was charged off.
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This is a biggy. IMHO, I wouldn't apply. I think it would be declined due to previous unsatisfactory banking relationship. The offers could be marketing only.
@CreditInspired wrote:
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This is a biggy. IMHO, I wouldn't apply. I think it would be declined due to previous unsatisfactory banking relationship. The offers could be marketing only.
^^^ This. Chase has a long memory and it's only been 4 years since the CO.
Even though you've been extended offers, there have been enough data points from others in similar circumstances to indicate that having the CO will take precedence and you'd probably be declined.