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Question By
Jroberts423

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Denied for a Chase Freedom account
I applied for a Chase freedom account and was denied. The person I spoke with referred to a supposed charged off account from 2002-2006 (though I've never had a Chase account before, the company may have been bought out by Chase. Plus they said I have a collection on my report, which according to the credit reports I've seen in the last month I in fact do not. I started with a secured card in 2013 and since have gotten 3 unsecured (CapOne, FNB Omaha and a Jeep MC). I'm just curious if I should call the recon line to try to get the card, or just take the hit and wait awhile before trying for a different card.

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I should have stated that CK TU is 685, CK EQ is 685 and credit sesame EX is 632. I get a monthly FICO with the Jeep MC, which is 618 currently. 

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Reply by
icuhowie

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Ahhh that helps out.

Would say wait on trying to apply for any other Credit Card until you get all three of these just over 700.

Do not think a recon will help you out at all.

Pull your free credit reports and find out what bad information you have and work on getting them taken care of.

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