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Discussion in 'Credit Talk' started by Vivienne, Feb 15, 2001.
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A lot of it would depend on whatever internal policy Chase has. If they simply won't accept a second application within 90 days, then it would do no good to apply. You might call Chase and ask about their policy...
As far as waiting until you get a reply to your dispute: I don't think it matters. You don't know what the results will be anyway. You could apply as soon as Chase policy permits, and if you get declined with one collection item left, THEN you would know how much difference the collection makes.
I don't mind getting turned down once in a while, because that supplies me with information. I find out how tolerant certain creditors are of certain credit problems. I find out which credit bureau a creditor is likely to use.
As for the benefits of waiting 90 days or even longer, remember this: each month you wait makes your collection one month older. Even if it stays on your report, it might make less difference a year from now.
Good luck with Chase.