Chase question

[Anonymous]

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ChemGuy wrote:

I took the first step in apping for a Chase Freedom Plus today! I spoke to a rep about opening a Chase Checking Account and he said that the checking does require a consumer report but that it is a SOFT hit.  Seems like Chase has told people this before.  Anyway, I apped for the checking and we'll give it a day.  If it was a soft hit, I'll try to wow them with the 15k deposit and then app for the CC!

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So, by applying for the Chase checking account I confirmed for myself that Chase is pulling EX for me I really don't want another inq on EX (already have 2 from this year and 2 from 2006), plus I have an embarrasing, bogus CA inq that is to my chagrin.  Plus AMEX only softs EX so they will clearly find out.  GRRR  just wanted to vent a little.

[Anonymous]

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ChemGuy wrote:

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ChemGuy wrote:

I took the first step in apping for a Chase Freedom Plus today! I spoke to a rep about opening a Chase Checking Account and he said that the checking does require a consumer report but that it is a SOFT hit.  Seems like Chase has told people this before.  Anyway, I apped for the checking and we'll give it a day.  If it was a soft hit, I'll try to wow them with the 15k deposit and then app for the CC!

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So, by applying for the Chase checking account I confirmed for myself that Chase is pulling EX for me I really don't want another inq on EX (already have 2 from this year and 2 from 2006), plus I have an embarrasing, bogus CA inq that is to my chagrin.  Plus AMEX only softs EX so they will clearly find out.  GRRR  just wanted to vent a little.

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Hmmm, I opened a chase checking account online about 1 1/2 weeks ago because after opening my chase credit card they sent me an offer saying they'd give me $150 back after I had my account open for 4-6 weeks.  I'm assuming they just did a soft inquiry if any, because nothing has shown up on my reports yet and I've been using the account, so it's definately open....

[Anonymous]

Yes, it is a soft for the checking account.  But I am interested in apping for a credit card and I was glad that they would soft for the checking, to give me a heads up on whom they would HARD for the CC.

[Anonymous]

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ChemGuy wrote:

Yes, it is a soft for the checking account.  But I am interested in apping for a credit card and I was glad that they would soft for the checking, to give me a heads up on whom they would HARD for the CC.

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Aaah. Sorry to reiterate what you already know. It's late...or early rather and I'm my 2nd starbucks with a boost of energy so I can finish up some work tonight (doing a good job of that wondering around these forums!). 

Where are you located?  I'm in NY and just got the Chase Freedom last month. I can look at my reports to see who they pulled and if I notice any soft pulls if it will help you.

[Anonymous]

I'm in CT

[Anonymous]

Hmm...maybe they use the same ones. Let me check my true credit reports. I'll be right back..

[Anonymous]

Okay, on 6/8 I applied and they pulled Experian (which showed up as Chase). I figured that was a bad sign, so I called on 6/9 to recon and the woman pulled TU (which showed up as First USA) and approved me.  Saw that through truecredit, but I have a recent experian report too and that shows that "JP Morgan Chase" softed me through Experian on 7/17/08. I think that was the day I opened the checking account.

Message Edited by UpUpUp on 07-26-2008 08:25 AM