What about chase freedom or an amex blue?
FICO 9: 
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
Filed Chapter 13 on 6/1/2017 after job loss. Discharged 6/1/2022.
Goal: Gardening!
How would they know if you had a certain CL since one month ago (CLI) or 3 years ago? Also, what about Amex that backdates everything but could be brand new? Unless they see something that we can't... I understand these are just guidelines though.
Starting Score: 648
@clocktick wrote:How would they know if you had a certain CL since one month ago (CLI) or 3 years ago? Also, what about Amex that backdates everything but could be brand new? Unless they see something that we can't... I understand these are just guidelines though.
Doubt they can tell. But for non-Amex products they can tell if it is younger than 3 years. But like you said, these are just some general guides that don't mean a whole lot.
Starting Score: ~500 (12/01/2008)