Chase EO...the wait is killing me!

[PlasticOrPlastic]

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@EW800 wrote:

I believe I have read of numerous success stories going through the EO, however there are also numerous reports of hitting brick walls with them, which is the category that I fall into with them.  Although I never got the answer from them I wanted, they were always very nice and always did respond in the time frame promised.  

Best wishes and let us know what you hear!

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Thanks EW800, would you mind a few more details about your situation at the time?  I tend to get my hopes up for things...that way when they dont happen its even more "devestating" lol. 

[EW800]

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@PlasticOrPlastic wrote:

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Thanks EW800, would you mind a few more details about your situation at the time?  I tend to get my hopes up for things...that way when they dont happen its even more "devestating" lol. 

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After reading your OP again, I think my experience with Chase EO may be different.  I was tying to get a GoodWill adjustment for a baddie a couple of years ago.  Although they were nice, they stuck with their line of "we are required to report accurate information".   They may be able to be convinced of looking past an old BK easier than there are about making baddie adjustments.  Don't be concerned about them not working with me - different circumstances.  Let us know how it goes!

[PlasticOrPlastic]

Thanks for the clarification EW!

[SomeGuyNamedFred]

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@PlasticOrPlastic wrote:

I have pretty much all the cards I want except Freedom/CSP and an AMEX.  AMEX is a no go for at least 6-7 years from what AMEX tells me.  I'm fine with higher interest rate just to get my foot in the door.  I usually PIF on most of my cards anyway so higher interest wouldnt scare me away.  Just wish there was a way to show them I'm no longer a risk as Im utterly obsessed with paying my bills on time and being resposible with credit...unlike in my 20's. 

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Question:  if your bk is 4 years old (and so falls off credit reports in three years), then  why would you have to wait 6-7 years?   I'm under the impression that once a bk ages off your credit reports it's no longer an issue in securing new credit, unless you burned the company in which you're applying and they kept an internal record.

[PlasticOrPlastic]

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@SomeGuyNamedFred wrote:

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@PlasticOrPlastic wrote:

I have pretty much all the cards I want except Freedom/CSP and an AMEX.  AMEX is a no go for at least 6-7 years from what AMEX tells me.  I'm fine with higher interest rate just to get my foot in the door.  I usually PIF on most of my cards anyway so higher interest wouldnt scare me away.  Just wish there was a way to show them I'm no longer a risk as Im utterly obsessed with paying my bills on time and being resposible with credit...unlike in my 20's. 

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Question:  if your bk is 4 years old (and so falls off credit reports in three years), then  why would you have to wait 6-7 years?   I'm under the impression that once a bk ages off your credit reports it's no longer an issue in securing new credit, unless you burned the company in which you're applying and they kept an internal record.

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Stays on report for 10 years.

[SomeGuyNamedFred]

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@PlasticOrPlastic wrote:

Stays on report for 10 years.

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Oh okay thanks, I didn't realize there were different time limits depending on the type of bk.  Good luck with the EO!

[PlasticOrPlastic]

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@SomeGuyNamedFred wrote:

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@PlasticOrPlastic wrote:

Stays on report for 10 years.

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Oh okay thanks, I didn't realize there were different time limits depending on the type of bk.  Good luck with the EO!

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No problem, and thanks...thinking I'll need it

[kampfer09]

Can someone email me the EO for chase. I need to ask them if I could convert my chase freedom to sig.

[09Lexie]

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@kampfer09 wrote:
Can someone email me the EO for chase. I need to ask them if I could convert my chase freedom to sig.

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Have you tried sending a SM first?

[kampfer09]

I did that already and told they will forward my request to card services....I called csr and told I need to wait about a year before I can convert it sig.