Re: Chase freedom approval!

MsLadyRover · ‎06-18-2014

Congrats OP!

Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)
Take the FICO Fitness Challenge

MissMoni223 · ‎06-18-2014

CONGRATS on your Freedom approval! Your credit score is definitely moving in the right direction.

Gardening Until Further Notice
15 Credit Cards (12 Major Banks & 3 Store Cards)

IamB2 · ‎06-18-2014

@Gstew wrote:
@tonyjones wrote:
I can't believe how high your score is even with three unpaid collections, crazy.
all three are medical collections over 5 years old. i think this has a lot to do with it...

+1

How long ago they were has a major impact on the score. Plus a collection is factored in the same way whether it is paid or unpaid, so that has no impact on it whatsoever.

Congratulations on the approval by the way.

FICO® EQ 717 (3/5/15); TU08 732 (3/5/15); EX: 723 (3/5/15) - Last app 3/15/15; Inquiries: A TON!