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I want to App for the Freedom in January but have a bankruptcy from 2006. FICO scores from both EQ and TU are around 720's when utilization is low as it will be when and if I apply. Currently have NFCU Flagship Signature, NFCU NavCheck, NFCU Auto loan, School loan, Capitol One Platinum, and Barclay Apple in which all are reporting with no lates. I have a good chance of FICO's reporting around 730 by January.
Do you think it would be a waste of an inquiry to shoot for a Chase Freedom?
My BK is from 2004 and i got denied for Slate card from CHASE due to BK. I even have Freedom card from them !!! (old Wamu).
Save your HP go for Amex.
App now. I had a BK in 2008 and my scores aren't even close to yours nor do I have the variety of cards you have and still got a Freedom.. However I make a pretty sizeable income...
Just costs an Inquiry. If you think you're ready, pull the trigger.
@DeadSpider wrote:My BK is from 2004 and i got denied for Slate card from CHASE due to BK. I even have Freedom card from them !!! (old Wamu).
Save your HP go for Amex.
Funny that you said that Spider... I've wayed the options between the two AMEX an Chase Freedom and felt that I had a better chance with the Chase Freedom than any AMEX card with BK reporting.
I wouldn't even bothe with Chase or AMEX until you BK is 8 ys old.
@TilltedBrim wrote:I want to App for the Freedom in January but have a bankruptcy from 2006. FICO scores from both EQ and TU are around 720's when utilization is low as it will be when and if I apply. Currently have NFCU Flagship Signature, NFCU NavCheck, NFCU Auto loan, School loan, Capitol One Platinum, and Barclay Apple in which all are reporting with no lates. I have a good chance of FICO's reporting around 730 by January.
Do you think it would be a waste of an inquiry to shoot for a Chase Freedom?
It'd likely be an auto-denial and you'd need to recon with an underwriter.
Was Chase listed in your bankruptcy? If so, your application will get declined.
First question on the chase app is:
Is your credit history clear from bankruptcies and/or seriously delinquent accounts?
Not saying it's impossible, but it seems pretty unlikey until the BK comes off. I have an 8yo BK and applied a year ago and was denied. I was able to backdoor a Freedom cause my WAMU account was transferred over and they did give me a PC to the Freedom when I requested it. But they won't match my largest credit lines of 5k, keeping me at 2600.
No, Chase or Amex was listed in my bankruptcy.... I was an authorized user for Amex until 2001 I believe but my stepdad who authorized me past away. But it still shows on my report as never late although it hasn't posted since November 2004.
LS2982.... 8 years wouldn't be until May 31 2014. Really wanting to step into a "prime" card before 8 years of bankruptcy but if it takes 8 years then I guess that's what it will have to be.
Visorboy... In your opinion how would you think that recon would go with the Chase underwriter? I'm a DOD contractor and my income is $110,000