My application for Chase Freedom was denied

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Green Member
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Location: New Orleans, LA

My application for Chase Freedom was denied

Postby nolareb » Tue Jul 10, 2012 6:27 pm

I was recently denied for the Chase Freedom card on May 9th. The denial letter stated it was due to an old charge off from three years ago. I have recently paid that off in full since learning about it.

The letter also stated they would reconsider me if these negatives were changed. Now I am just waiting on the collection agency to report to the credit bureaus. They claim it takes them 30 days to report once the check clears. Is this standard?

Any how I have banked with Chase for two years now and have a checking account that holds an average balance between 1,000-2,500 a month as well as a savings account with over 10k and have never over drawn or been a problem customer.

I am considering calling them and telling them to reconsider based on these facts. I would think that being a current customer in good standing would help my cause. How do you think I should approach them when I call them to reconsider my application?

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Postby MemberSince99 » Tue Jul 10, 2012 7:09 pm

Basically with just what you said here. What more is there to say? You paid it, and it will take 30 days to report.

I'm not sure they will do it before your report is clear, but you have nothing to lose by trying. Once it's off, then you should certainly be golden.

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