bigmistake22 Posted April 7, 2022 Report Share Posted April 7, 2022 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. Quote Link to comment Share on other sites More sharing options...
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