Chase Freedom and Capital One Denial?

[heathuhhhhwebbbb]

Ugh, thats frustrating.    I wrote recon letter and have mailed it to them as well.  They never specified it was my score that was the reason I was denied, but "high utilization on one card" and one unpaid CO that is 6 years old. 

[youngandcreditwrthy]

Is the unpaid co marked as disputed on your credit report?
I had high util on one card and two unpaid cos and got approved. Mine really were fraud accounts though
But legally, you can dispute that unpaid co and ask them for proof that you owe it ;-)

Dispute, dispute, dispute!!!!!!!!!!!!!!!!!!

[heathuhhhhwebbbb]

It is marked as dispute.  I have a lot of fraud on my credit report due to someone taking out several payday advances and then not paying them (this is all in several police reports I've filed).  Its such a headache dealing with!  Perhaps it is my FICO score that is too low.  I will have to order it when I get paid at the end of the month.  I've read that Chase sometimes even takes into account your salary, but none of the recon representatives I spoke with even asked.

[alboto]

which # did you call?? they always ask for employer and salary.

[heathuhhhhwebbbb]

It was a backdoor number I found on here.  1-888-270-2127, I also called 1-888-622-7547 and spoke with an "executive office" representative but she said she couldn't help but told me to call the first number again.....*rawrg*!

[afbar1114]

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@deg757 wrote:

As far as I know, the only place to purchase your actual FICO scores is here on myFICO. All the other scores are just garbage. Lenders only use the FICO scores. Experian does not sell their FICO scores anymore so you can't get that one at all.

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i got my EX fICO from chase when i tried for a CLI

[heathuhhhhwebbbb]

Update, I called the Capital One Automated System and they said they are "currently reviewing" my application.  What does that mean, when I applied on Captial One they said "Denied".  So confused!!!

[somnipotent]

It appears your FAKOs and CRA scores are pertty low for a Freedom, but not so sure about the Crap1 cards.  I got approved in the high 500s when I started rebuilding plus I had a poop-ton of baddies at that time. 

[youngandcreditwrthy]

Hmmm weird. Well perhaps the garden is calling your name

[jsucool76]

Did you apply for the Capital one Cash Rewards Visa or the Mastercard?

The visa version is for "excellent" credit, the mastercard version is their version for "average" credit. 

You need to actually have a pretty good score for the visa version, I think it starts at $3000, so I don't think you would have any luck with that one.