12-20-2012 02:53 PM
Just wanted to share my experience.
-Have had a Chase Freedom for 7 or 8 years.
Apped and received Chase Sapphire back in July of this year. Initial CL was (and still is) $5000.
Apped for a CL for Chase Freedom at the same time; went from $1500 to $7500.
I have a small (very small) photogrpahy business. I want to keep things separate. I apped today. I got a "pending review" because I have a paid tax lien that EQ does not show as paid. Chase was awesome, let me fax them proof, and then I couldn't get through to their fax!!! When I caled back, I spoke to "John" who said "Let me look again and see what I can do." He noted that it hadn't reported since 2009 and approved me for Chase Ink Cash for $5000.
-I used TOTAL household income.
-I was asked how long I had been taking pictures. They considered my experience level over business length.
-I am about 19% util-I have one late and that's it.
-They pulled EQ, which is 701 via myFico
I hope this helps. Chase is the BEST on recon that I have ever seen. It always pays to call. It took three calls for me, but was worth it.
Also of note, EQ was not so nice when I called. They said that whether I faxed proof or not they would still have to verify and it would still be subject to a 30 day wait. THEN they tried to sell me their credit score services and informed me that my myFico score was inaccurate. Sigh.
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