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I was recently rejected for Chase Freedom. I was very interested to receive the rejection letter in the mail. Actually sincere I have embarked on my credit repair campaign, rejection letters excite me because they offer a lot of information for me to learn from. The from page of the letter offered 3 reasons why I was rejected and the back side offered 4 more. They were kinda the same but rephrased. They also said that they got my score from Experian. I assumed at the time that it was a Fair Isaac V2 score but now when I go back and look at it there is guidance after the score and the guidance says that the score is in a range to 990. That makes me think they were using a Vantage score. Any insight from the gurus here?
@dddewdrop wrote:I was recently rejected for Chase Freedom. I was very interested to receive the rejection letter in the mail. Actually sincere I have embarked on my credit repair campaign, rejection letters excite me because they offer a lot of information for me to learn from. The from page of the letter offered 3 reasons why I was rejected and the back side offered 4 more. They were kinda the same but rephrased. They also said that they got my score from Experian. I assumed at the time that it was a Fair Isaac V2 score but now when I go back and look at it there is guidance after the score and the guidance says that the score is in a range to 990. That makes me think they were using a Vantage score. Any insight from the gurus here?
Chase uses an in-house score for their apps. Have you tried a recon?? 888-270-2127
Thanks for the info. I have tried a recon and they said no. I will try again soon. I know what I need to do to be approved and I'm working on it. I am not giving up.
TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!
@toppers555 wrote:
Chase s known to use vantage score
+1. The score that they sited for me was a vantage score.
It was a Vantage score for me as well.