How Long is Chase's Memory?

[zerofire]

Chase has records for things that happened back in the Washington Mutual(WaMu) days. Now I cannot say if they are still mad at you or not but the best way to make them happy is to pay anything outstanding. Overall it depends on if there is any cross checking between divisions with any depth. I am guessing that Chex Systems probably had the account drop off by now if it has been 5 years. I have heard that filing a BK with Chase as a lender is a great way to close that door permanently but for some people it depends on how much of a loss they were. 1k or so was chump change but 10k is usually fatal.

[markhs777]

If you believe in reincarnation then maybe you have a chance.

[Charmante]

I'm curious... I would definitely love to have a Chase account again! So, I have no problem paying them back. I mean, I DO owe it...

How do you pay a 10 year old overdrawn checking account, exactly? Just call them...?

[Anonymous]

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@Anonymous wrote:

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@wasCB14 wrote:

YMMV, but quite a few people are still blacklisted 10-15 years after a credit card default. How much money are we talking about?

How does a checking account charge off even happen, though? Wouldn't checks simply fail to clear if there were insufficient funds? Or it was a checking account with an attached line of credit?

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Deposit check 

Funds are made instantly available

Withdraw the funds

Check bounces after a day

Let the account close with negative balance

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That's a great idea!

Oh wait, that wasn't the point?

[Remedios]

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@Charmante wrote:

I'm curious... I would definitely love to have a Chase account again! So, I have no problem paying them back. I mean, I DO owe it...

How do you pay a 10 year old overdrawn checking account, exactly? Just call them...?

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You cannot. That's a done deal. 

You can find out if you're blacklisted by applying to open DDA or applying for credit card

DDA will result in SP on EX (most likely) for ID verification, EWS report will be pulled (info from all participating lenders will be available, including deposit, withdrawals, overdrafts etc).

Once that's complete, internal records will be matched with the applicant. 

You'll have the answer if they allow you to open one.

Keep in mind, even if you're not blacklisted with them, any negatives with lenders that utilize EWS may result in DDA denial. 

Your EWS report can be clean, but you can still get denied based on previous relationship. 

[Charmante]

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@Remedios wrote:

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@Charmante wrote:

I'm curious... I would definitely love to have a Chase account again! So, I have no problem paying them back. I mean, I DO owe it...

How do you pay a 10 year old overdrawn checking account, exactly? Just call them...?

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You cannot. That's a done deal. 

You can find out if you're blacklisted by applying to open DDA or applying for credit card

DDA will result in SP on EX (most likely) for ID verification, EWS report will be pulled (info from all participating lenders will be available, including deposit, withdrawals, overdrafts etc).

Once that's complete, internal records will be matched with the applicant. 

You'll have the answer if they allow you to open one.

Keep in mind, even if you're not blacklisted with them, any negatives with lenders that utilize EWS may result in DDA denial. 

Your EWS report can be clean, but you can still get denied based on previous relationship. 

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@Remedios 

First of all, Remedios, you sound like an Encyclopedia!!! Lol 🥰

Is a DDA a Checking Account...? Or something else?

What is EWS...?

I certainly want the SP method -- I want NO more Inquiries until at least 03/2021 or later...

So just explain exactly what to do and I'll go try it now!

As far as other institutions, within the past 10 years, I've had only 2 overdraws due to delayed direct deposits, but my auto payments going through... They were immediately caught up the following day or so.

[Remedios]

EWS is Early Warning Services, created by Chase, Capital One, BB&T, WF, and Bank of America. Others joined later.

It's where all the checking/savings bodies are buried.

Similar to major CRA (except they claim  aren't one), but for DDAs

DDA is demand deposit account, in your case that would be checking.

If you've had additional overdrafts, and that lender utilizes EWS, you're out of luck. 

Should you have additional questions regarding checking/savings,please use Personal Finance forum for those. 

[Charmante]

@Remedios 

They instantly approved me for a Chase Total Checking.

So, I should NOT be blacklisted and I SOULD be eligible for a CREDIT CARD (assuming my credit passes of course)...?

[FinStar]

CCs are processed under a different system. So, the only way to know if you're still on the blacklist is when you apply.

[firefox100]

Hi hope this is ok I did not want to start new thread about chase memory. This afternoon I was boardboard so I called Chase creditcard customer service phone number 1800 432 3117 from my home phone when it answered it ask for the last 4 digits of your credit account number. Then I called the same number from my cell then when it answered it ask for your fcomplete 16 digit account number. My home phone number is the same number that I had over 20 years ago when I burnt chase on couple of creditcards. There phone computer system has long memory, I thought once chase charge off accounts then they would purge from there customer computer system. I think this means that I am still on the black list. Is this a good way to see if you are still black listed.