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Discussion in 'Credit Talk' started by molly, Dec 24, 2000.
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Was this the reason the denied you?? If yes then if you only got one removed they may still deny you??? But if you get both removed then I would definetly get them to send an updated report to chase.
Yes, the reason was a charge off and/or collection. At the time I did have one charge off (it was removed about a week later) and then I had the two collections left.
I'd retry with Chase 6 months after previous application. This would also allow you 2 more dispute cycles.
Off topic, Molly: Have you tried to get a Centurion Bank account manager to approve you for a Green, now that you're an Amex employee?
RE: AMEX Employee???
Molly, what do you do for AMEX???? =)
RE: AMEX Employee???
I work for an american express financial advisor. It's different than what you would think. I have only worked there for 1 month.
If you have them send another report does that count as an inquiry? I don't want another inquiry.
IF YOU REQUEST CREDIT REPORT, IT IS A "SOFT" INQUIRY...IF A CREDIT CARD COMPANY REQUESTS A CREDIT REPORT, IT IS A "HARD" INQUIRY.
Only "hard" inquiries are held against you.
I did this with Citibank. They told me to fax my updated copy (after corrections) to their credit dep't. I would sugget you call Chase and ask how long they will keep your application open, and if the errors are removed if you can send them the update. They will probably hold it for 60-90 days like citi did. Good luck.