Will I get a Chase Freedom card? Have a previous writeoff

[Anonymous]

Went to a bad patch in for a few years beginning 04. Had ex had a chase CC to which I am an authorized user. Account went into deliquency and finally written off which stayed on my CC for about 3 years before it disappeared from all 3 CCs.

What are my chances of getting a Chase Card now?

[learnin113]

Chase blacklists. Leave them alone. There's plenty of other prime lenders, move on.

[CS800]

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@learnin113 wrote:
Chase blacklists. Leave them alone. There's plenty of other prime lenders, move on.

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Are you sure about that?

We should start a thread on companies who blacklist people.

[learnin113]

Yup. CSR told me that upon recon.  Went back and forth with her for 15 mins about my credit report, finally she sighed and admitted the real reason they couldn't extend credit was because I had burned them in the past.  This is a paid chargeoff mind you and paid off over 9 yrs ago. 

[Anonymous]

Good idea.

[Anonymous]

so, they blacklist for ever?

What about Amex?

I had a bankrupcy in 1993. Applied for Amex in 1998, they denied due to past history with them. Should I consider applying now, almost 20 years later?

[CS800]

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@learnin113 wrote:

Yup. CSR told me that upon recon.  Went back and forth with her for 15 mins about my credit report, finally she sighed and admitted the real reason they couldn't extend credit was because I had burned them in the past.  This is a paid chargeoff mind you and paid off over 9 yrs ago. 

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Good to know.

[learnin113]

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@Anonymous wrote:

so, they blacklist for ever?

What about Amex?

I had a bankrupcy in 1993. Applied for Amex in 1998, they denied due to past history with them. Should I consider applying now, almost 20 years later?

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Honestly with your score and a clean report, I think that 20 yrs is long enough.  You should be ok.

[Anonymous]

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@learnin113 wrote:
Chase blacklists. Leave them alone. There's plenty of other prime lenders, move on.

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If I'm reading his post correctly he was just an AU, I don't believe chase blacklists AUs.

[laboi_22]

I had a charged off/written off auto loan with Chase. It fell off of all 3 CRAs I applied for Chase Freedom and got approved instantly. I have a low CL compared to my other cards. Maybe that's why? Not sure but got my foot in the door !