Chase Freedom QUESTIONS!

[spengbab]

My score was 660 when I applied and got approved. When I got the card, unfortunately, it seems that Chase has their own proprietary formula. Generally credit companies will say where it's from. Chase says it's their proprietary score and I had a score of 623. 

[AF_23]

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@spengbab wrote:

My score was 660 when I applied and got approved. When I got the card, unfortunately, it seems that Chase has their own proprietary formula. Generally credit companies will say where it's from. Chase says it's their proprietary score and I had a score of 623. 

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I wonder where Chase comes up with their nonsense scoring

[LS2982]

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@Anonymous wrote:

I am trying to apply for Chase Freedom credit card. Here are my questions.

Which credit report would they check? Transunion, Equifax, or Experian.

What is the min credit score to get approved? My equifax is 648.

I got a bit of inquiries will that make it disapproved?

I have two collections accounts which are two years old and paid off xD 

Do I have a chance to get approved?

Thanks guys, 

BearInTrouble

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Very slim to none. Garden for a year and get your FICO score up and work on getting the collections removed.

[clocktick]

Chase pulled TU for me in NY for the Freedom in June.  I had 5 inquiries at the time.  I don't know about score but I usually read upper 600s.  YMMV as usual.  I would probably let your reports age, especially having the 2 paid off baddies.