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Chase Freedom Approval!!

Valued Contributor

Re: Chase Freedom Approval!!

Nicholasyud, how is that any different from what I said? Lol - are you suggesting a different method or simply re-emphasizing my post?

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Established Contributor

Re: Chase Freedom Approval!!

Awesome card! Congrats!
TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Established Contributor

Re: Chase Freedom Approval!!


dabrian wrote:

I have been in the garden for six months and i finally decided to app for a decent reward card. Nervously hit the apply and was approved for 4kSmiley Happy  Current Utilization is at 1% fwiw reporting on all three credit reports.


Way to go! Congrats!

Gardening Since: March 4, 2013.
In My Wallet: Chase: Freedom Visa Signature | Sapphire Preferred World Mastercard. |
Valued Contributor

Re: Chase Freedom Approval!!

Congrats on the approval!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Frequent Contributor

Re: Chase Freedom Approval!!

TY everybody.

Income=82k

AAOA=3 years

time since last neg=2.4 years

Worst status is a paid chargeoff with FP from 4 years ago.

Equifax fico=673

Walmart trans=680

EXP faco (quizzle) 732

WM store 0/800, Lowes 0/800, GE Money 0/3500, cap one platinum 100/1500, NCSECU 0/2000, AU on wifes discover 0/2000

Two current auto loans that along with the CU card only report on Equifax

Inquires= 4 in the last year but 0 in the last 6 months.

NFCU Sig Cash-20k/ Amex BCP-19.4k/ Amex Costco-1.2k/Chase Marriott-12k/CSP-13.4k/ Freedom-5.5k/ Discover IT-14k/NCSECU-5k/Walmart-10k/Lowes-25k
Valued Contributor

Re: Chase Freedom Approval!!

Thanks for the info!

It looks like you are on your path back up the credit ladder!

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Moderator Emeritus

Re: Chase Freedom Approval!!


dabrian wrote:

TY everybody.

Income=82k

AAOA=3 years

time since last neg=2.4 years

Worst status is a paid chargeoff with FP from 4 years ago.

Equifax fico=673

Walmart trans=680

trans faco (quizzle) 732

WM store 0/800, Lowes 0/800, GE Money 0/3500, cap one platinum 100/1500, NCSECU 0/2000, AU on wifes discover 0/2000

Two current auto loans that along with the CU card only report on Equifax

Inquires= 4 in the last year but 0 in the last 6 months.


Quizzle is based off your EXperian CR.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Frequent Contributor

Re: Chase Freedom Approval!!


Shogun wrote:

dabrian wrote:

TY everybody.

Income=82k

AAOA=3 years

time since last neg=2.4 years

Worst status is a paid chargeoff with FP from 4 years ago.

Equifax fico=673

Walmart trans=680

trans faco (quizzle) 732

WM store 0/800, Lowes 0/800, GE Money 0/3500, cap one platinum 100/1500, NCSECU 0/2000, AU on wifes discover 0/2000

Two current auto loans that along with the CU card only report on Equifax

Inquires= 4 in the last year but 0 in the last 6 months.


Quizzle is based off your EXperian CR.


 

 

Nice catch.  I'll edit the post.

NFCU Sig Cash-20k/ Amex BCP-19.4k/ Amex Costco-1.2k/Chase Marriott-12k/CSP-13.4k/ Freedom-5.5k/ Discover IT-14k/NCSECU-5k/Walmart-10k/Lowes-25k
Frequent Contributor

Re: Chase Freedom Approval!!

Decided to go ahead and apply for the Discover IT since I have already have two hard inquires yesterday and was approved for 5kSmiley Happy The capitol one is gonna be permanently in the SD and the GE Money card I'll probably go ahead and cancel.  BTW with the increases I have had on my walmart and Lowes card that haven't reported yet my total CL has increased from 8600 to 19,200 this month alone.  TY to everyone in this forum.

NFCU Sig Cash-20k/ Amex BCP-19.4k/ Amex Costco-1.2k/Chase Marriott-12k/CSP-13.4k/ Freedom-5.5k/ Discover IT-14k/NCSECU-5k/Walmart-10k/Lowes-25k
Established Contributor

Re: Chase Freedom Approval!!

You are on fire! Congrats! Now pull out your fire extinguisher :-)
TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K