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Good morning, I was curious to see if anyone had input on my current situation. I was chatting about a different thread/topic and they suggested I become an AU. I think this is a great way to bump me up a bit but wanted to see if anyone has experienced this specific issue. The commenter gave me great advice but, since our discussion was nestled into a different topic/forum and this issues is pretty specific, I thought I would try here before requesting to be added as AU. I had a Chase CC go south in 2019. They finally charged off in 2020. Since the CO will remain on my account through 2025, last week I chose to pay/settled for less. This CO is newly paid but, I've called to confirm, it is officially paid. My husband's chase CC has a $5400 limit, he's never been late. Utilization is about 6% and he does not carry a balance. It is his only CC (we are working on getting him another one) Considering my recent Chase CO, would I still approved as a AU? Has anyone else tried this with Chase and been successful? I'm curious on whether I should wait (which I really do not want to do) or am I beating a dead horse b/c its Chase? I know that Amex, minus a few exceptions that slipped through the cracks, will deny an AUs if they have previously had a charge off or somehow burned Amex previously. I don't see anything in the groups about that with Chase. Any suggestions or guidance will be appreciated! *additional info: My credit issues bring me to around 630 - consist of unpaid medical collections (I'm dealing with them today), Chase (paid) and Navient CO (unpaid), thin file (1 CareCredit CC opened in March with $4900 limit, mortgage on time payments). My husband's is about 730, 2 unpaid medical collections for less than $100, 1 Chase Card w 6% utilization, onetime since 2007 (we are looking into an additional 2 cards to expand his file), on time mortgage, on time student loans (about 7 of them). Being added as an AU will definitely help me - I won't be using the card except to put utilities, bills to show usage.

So, it's been a rough few years. Last month, just as things were starting to pick up, I was served by Midland - talk about bursting my bubble. So, I'm getting ready to address this and have spent a great deal of time on this site researching this kind of suit. Time to ask for some advice, my details are as follows: 1. Who is the named plaintiff in the suit? Midland Funding LLC 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Midland. 3. How much are you being sued for? ~ 5K 4. Who is the original creditor? (if not the Plaintiff) CHASE 5. How do you know you are being sued? (You were served, right?) Served with summons 6. How were you served? (Mail, In person, Notice on door) In person, summons left with family member. 7. Was the service legal as required by your state? Yes – far as I know 8. What was your correspondence (if any) with the people suing you before you think you were being sued? I may have spoken to them on the phone. 9. What state and county do you live in? San Diego, CA 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) I was not outside SOL. 11. What is the SOL on the debt? To find out: 4 years in CA, or 3 years if Chase invokes Delaware law. 12. What is the status of your case? Suit served? Motions filed? You can find this by a) calling the court or looking it up online (many states have this information posted - when you find the online court site, search by case number or your name). Summons was delivered, that's it. 13. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No 14. Did you request debt validation before the suit was filed? Note: if you haven't sent a debt validation request, don't bother doing this now - it's too late. No 15. How long do you have to respond to the suit? (This should be in your paperwork). If you don't respond to the lawsuit notice you will lose automatically. In 99% of the cases, they will require you to answer the summons, and each point they are claiming. We need to know what the "charges" are. Please post what they are claiming. Did you receive an interrogatory (questionnaire) regarding the lawsuit? 30 days. I’m ready to respond, probably tomorrow. The complaint is for ACCOUNT STATED – this is the only complaint in the papers. I did not receive an interrogatory. 16. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. Nothing.