Hello Everyone,
Can you please help me make sense of what could be going on as many of you say not to call Chase. Has anyone had this experience and what could it mean:
1. Approved for Chase Freedom 1k SL on 4/7 and received all of the timely emails including the last 4 digits of the card.
2. I called the robolady every few days and it always said something to the extent of you have been approved and your card will arrive within 10 biz days.
3. Time flies and now here we are on 5/7, everyone says let it all ride out so I wait.
4. Yesterday I decide I will post here to see if it is common for a card not to arrive almost 30 days later and way past the 10 biz days.
5. This morning I wake up to email notices of alerts on myfico and equifax as I am a member of all 3cra and equifax.
1. Equifax alert says I have a new account added to my transunion and when I look at the alert it says 0 balance and account comment section says CLOSED!
2. So I log on to transunion to see what is going on and transunion does not list the account however, now it says that I have 2 derrragotory accounts, the first is my last baddie a pra charge off that I am still trying to deal with, why would it say that I now have a new derrogatory account, I don't know. I call them and they can't tell me which one it is and as I said chase is still not listed on my report there, perhaps it needs to update.
3. I log on to myfico to check the alert here and it says that Experian is showing the chase account with a balance of 0, closed and it is showing as a Paid Loan!
4. Now Equifax itself is showing the chase account in my equifax report as opened on 4/7 and as reported on 5/4 and a closed account!
At the time of applying they pulled Experian which was my highest score at the moment with 663. They pulled TU as a backup and that was my lowest score of 633 as it was and is still showing my only charge off with pra. My experian and my equifax show no collections or anything bad on it just a 30% util.
My only conclusion is could it be because I did not activate the card if they did send it and they closed it. Why is one cra showing opened while the other two are showing closed paid loan and 0 balance.
Could this be okay or no.
Could this be because it reported before me even activating the card.
Is it okay for me to call in without going to verification dept. just to check when did they send it and lastly. I don't know if this has anything to do with it but I just finished going through a divorce and moved everything in my address to a p.o. box since I had to put a physical address for the application and the current address on my report is the p.o.box while my previous address on my report is the physical address will that have anything to do with this?
I am a bit confused. How should I proceed. The robo lady still says the same message approved and wait for 10 biz days. Please advice and sorry for the rambling.
thanks.
Edit: The equifax report said opened but listed under accounts as closed.
This is the Update: I just called the status line and decided to get transferred to an agent and when I did I simply told them I applied was approved and have not received can you please tell me when it was sent. The person told me that it was returned to them as undeliverable by the post office and he took down my p.o. box address and told me it will come in 3-5 biz days, I requested expedited and they said they can't expedite to p.o.boxes. That was the issue, wheww, thank God that was it. I was freaking out and I could have had this card already.
Now this is my next issue with this. It is showing up on my 3 cra as closed and transunion has added a derragotory, I am not sure if it is because of this.
They told me I would be getting a whole new card with a new number as the old one was destroyed.
Questions:
1. Can I call and request they remove old card from all cra as the issue was that it was undeliverable or will they start digging if I request this?
2. Do I have to goodwill them for that?
3. My 3rd issue is that I was already at 4 cards in the last 24 months and if they closed this one being my 4th will the new one they send me become my 5th, my intention was to app for the csp when my scores went up, now this whole mess up could have ruined my chances if the new card shows up as a new 5th card in 24. arghh, is this situation fixable?
I did not even rececive the card and I don't want it to affect any part of my report, I already lost a few points because of it. Please advice. Thanks.
2nd Update in case anyone ever goes through anything like this: I decided to call once again and I was told that the new card will update with my 3 cra and it will simply show up as a replacement card, it will not show as a 5th card opened or as a new account. I was afraid because I heard there are companies that do that, make the replacement look like a new account. So all is well I guess, they told me to let it cycle 30 days or so and then it will update as opened not closed with the new card information. Wheww once again. I suppose I answered all of my own questions but I will leave all of this here in case anyone ever goes through a similar experience.