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Just an FYI I had applied for a Chase Freedom Credit card. I was approved online this last Friday at $3500, they told me they pulled Equifax which for me according to score watch through myFICO is a 688. I called today just for the fun of it to the backdoor number listed that i just heard about today. They put in a request for a credit increase and I went from $3500 to $4300. It was an additional hard pull which I was warned about several times but it was completely painless and easy to do.
Congrats!!! That's awesome to hear.
Thank you.
@ttech1080 wrote:Just an FYI I had applied for a Chase Freedom Credit card. I was approved online this last Friday at $3500, they told me they pulled Equifax which for me according to score watch through myFICO is a 688. I called today just for the fun of it to the backdoor number listed that i just heard about today. They put in a request for a credit increase and I went from $3500 to $4300. It was an additional hard pull which I was warned about several times but it was completely painless and easy to do.
If you are satisfied with the result of the second HP so am I, enjoy
@ttech1080 wrote:Just an FYI I had applied for a Chase Freedom Credit card. I was approved online this last Friday at $3500, they told me they pulled Equifax which for me according to score watch through myFICO is a 688. I called today just for the fun of it to the backdoor number listed that i just heard about today. They put in a request for a credit increase and I went from $3500 to $4300. It was an additional hard pull which I was warned about several times but it was completely painless and easy to do.
Congrats!
Curious to know how your entire profolio read. I'm thinking about applying myself, so I have selfish reasoning. Also, you say they pulled EQ. I've heard it differs state to state. If you don't mind, what state do you live in?
when you ask about my portfolio what specific info are you looking for? I live in Arizona. I asked them what they pulled for me and they told me they can pull from all 3 but they chose EQ.
@ttech1080 wrote:when you ask about my portfolio what specific info are you looking for? I live in Arizona. I asked them what they pulled for me and they told me they can pull from all 3 but they chose EQ.
I just meant AAofA, any bads, etc. I live in AZ as well so that's interesting.
Oh ok i got ya. I have a $300 secured capital one card that i started building my credit with in 2011. I have a $550 CreditOne bank card that i opened about 6 months after that. Both of those currently have $0 balance on them. I have a $1000 credit card through my bank Desert Schools Federal Credit Union. that had about 500 on it when I applied for the Chase freedom card. Because of the deal where i can balance transfer over at 0% and they have a 15 months 0% interest promo. Im going to move that amount which is now at $900 over to the Chase card so then I will have a $0 balance on my other 3 cards and at $900/4300 my utilization for that card will be about 20% and with all cards combined my utilizatioin will only be about 14% for all of them combined. dont plan on using them until i get that balance down to 0 which should only take a month or 2.
I just found out they double pulled me also.