Credit Card Center Advertiser Disclosure

Senior Contributor
Posts: 3,332
Registered: ‎05-27-2015

Re: Applied while CR frozen? So now what?

Always best to get those computer approvals over the human ones IMO. You probably would have been approved. If the reports weren't frozen.

FICO 8 Scores EQ=753 TU=779 EX=764 (INQ) EQ=19 TU=14 EX=18 TCL=$525,800
Valued Contributor
Posts: 2,071
Registered: ‎03-03-2015

Re: Applied while CR frozen? So now what?

AverageJoesCredit wrote:
This is good example why Chase is a tuff nut to crack sometimes, you either dont make the 5/24 squad or you have 2 many inqs team. On top of double pulls, almost as bad as going the triple route for Cap One lolSmiley Wink

I think the problem here was the procedure. Instead of calling the backdoor number, op should have just called the regular application line after unfreezing their reports. They might have stood a chance with a computer approval, but having a human do the first approval gave their report too much scrutiny. Smiley Frustrated

Starting scores: 552 EQ, 570 TU, 558 EX Current scores (9/29/17): 746 EQ 721 TU 719 EX
New Contributor
Posts: 57
Registered: ‎07-13-2017
0 Kudos

Re: Applied while CR frozen? So now what?

I agree

Cap 1 Venture (14k) ~ Fifth Third Truly Simple (12k) ~ Fifth Third Trio (10k) ~ AMEX ED (10k) ~ Huntington Voice 3x Reward (10k) ~ Huntington Voice APR (10k) ~ Discover IT (7.5k) ~ PENFED Power Cash (7.5k) ~ PENFED Platinum Reward (7.5k) ~ Gardner White Comenity (6.8k) ~ Chase Freedom (6k) ~ Wells Fargo Plat (5k) ~ Marvel (3k) ~ DICKS (2.2k) ~ Flagstar (2k) ~Cap 1 Plat (1.6k) ~ CITI Simpl (1k) ~ AMEX BCE (1k) ~~ TCL $131,000
F8 EX 600 (3/17)
F8: EQ 745, TU 754, EX 741 (8/17)
~~ UTIL 2% INQ 8 (12 mo)

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.