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Chase Freedom question

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cd2004
Regular Contributor

Re: Chase Freedom question

I was approved for $1500 around end of August after a recon.. My score was 649 and I had 19 inq, 3 new credit accounts within 3mths, 1 new loan within 1 mth. 2 paid CO, 1 paid collection, 1 unpaid judgement(3yrs old) I think my util was under 20%

Current 3B scores May 2022: EQ: 806 TU: 798 EX: 797
Message 11 of 28
mr_postman
Regular Contributor

Re: Chase Freedom question

Pulled EXP here in san diego score 652 10 inq 0 uti instant approval 5k

Message 12 of 28
kobe2012
Established Contributor

Re: Chase Freedom question

I might stay in the garden for now..  my approval odds might still not be in my favor ....and almost two months in the garden, as a rebuilder, seems forever! Smiley Frustrated


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 13 of 28
LS2982
Mega Contributor

Re: Chase Freedom question


@kobe2012 wrote:

What is the credit score requirement for this card? Are they inquiry sensitive even on recon??? I have 3 derogs and 6 inquiries the past 6 months 12 the past 2 years rebuilding... Im in the garden but was wondering if i have a shot


I'd be concerned about the recent INQ's. When do you plan on apping?

 




EQ FICO 548 3/3/16
Message 14 of 28
kobe2012
Established Contributor

Re: Chase Freedom question


@LS2982 wrote:

@kobe2012 wrote:

What is the credit score requirement for this card? Are they inquiry sensitive even on recon??? I have 3 derogs and 6 inquiries the past 6 months 12 the past 2 years rebuilding... Im in the garden but was wondering if i have a shot


I'd be concerned about the recent INQ's. When do you plan on apping?

 


I was actually gonna pull the trigger earlier! Lol ..but i stopped myself... I just want a real rewards card since i use my capital one for everything... Singe i bank with chase, i think their rewards would be a lot better.... Im thinkin about discover and zync but i dont know if they will approve me with 3 derogs


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 15 of 28
LS2982
Mega Contributor

Re: Chase Freedom question


@kobe2012 wrote:

@LS2982 wrote:

@kobe2012 wrote:

What is the credit score requirement for this card? Are they inquiry sensitive even on recon??? I have 3 derogs and 6 inquiries the past 6 months 12 the past 2 years rebuilding... Im in the garden but was wondering if i have a shot


I'd be concerned about the recent INQ's. When do you plan on apping?

 


I was actually gonna pull the trigger earlier! Lol ..but i stopped myself... I just want a real rewards card since i use my capital one for everything... Singe i bank with chase, i think their rewards would be a lot better.... Im thinkin about discover and zync but i dont know if they will approve me with 3 derogs


How old are the derogs and are they paid??

 




EQ FICO 548 3/3/16
Message 16 of 28
kobe2012
Established Contributor

Re: Chase Freedom question


@LS2982 wrote:

@kobe2012 wrote:

@LS2982 wrote:

@kobe2012 wrote:

What is the credit score requirement for this card? Are they inquiry sensitive even on recon??? I have 3 derogs and 6 inquiries the past 6 months 12 the past 2 years rebuilding... Im in the garden but was wondering if i have a shot


I'd be concerned about the recent INQ's. When do you plan on apping?

 


I was actually gonna pull the trigger earlier! Lol ..but i stopped myself... I just want a real rewards card since i use my capital one for everything... Singe i bank with chase, i think their rewards would be a lot better.... Im thinkin about discover and zync but i dont know if they will approve me with 3 derogs


How old are the derogs and are they paid??

 


One was falling off this december (unpaid)... one was falling off 2014 (paid).. and another unpaid one was almost 5 years old...... I started with 7 negs 5 months ago, then I found this forum and am down with these....


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 17 of 28
LS2982
Mega Contributor

Re: Chase Freedom question


@kobe2012 wrote:

@LS2982 wrote:

@kobe2012 wrote:

@LS2982 wrote:

@kobe2012 wrote:

What is the credit score requirement for this card? Are they inquiry sensitive even on recon??? I have 3 derogs and 6 inquiries the past 6 months 12 the past 2 years rebuilding... Im in the garden but was wondering if i have a shot


I'd be concerned about the recent INQ's. When do you plan on apping?

 


I was actually gonna pull the trigger earlier! Lol ..but i stopped myself... I just want a real rewards card since i use my capital one for everything... Singe i bank with chase, i think their rewards would be a lot better.... Im thinkin about discover and zync but i dont know if they will approve me with 3 derogs


How old are the derogs and are they paid??

 


One was falling off this december (unpaid)... one was falling off 2014 (paid).. and another unpaid one was almost 5 years old...... I started with 7 negs 5 months ago, then I found this forum and am down with these....


I would consider waiting at least 6 months to a year before apping with Chase. The unpaid derogs wont be in your favor but the older they are the less they will hurt you.

 




EQ FICO 548 3/3/16
Message 18 of 28
heathuhhhhwebbbb
New Contributor

Re: Chase Freedom question

I applied for a Chase Freedom a few weeks ago and have 2 CO (1 paid and 1 unpaid) and they were unable to approve me even with recon.  Total bummer considering both of them are 6 years old and due to fall off next year.

09/2013: TU FICO 692, EQ FICO 698, EX PLUS 709. No apps until December 2014!
Freedom: $1500 Cap1 Plat: $2000 Cap1 Cash: $1500 Barclays: $4000 Walmart: $2700 GE Luxury: $4800 Jared: $1500 Davids Bridal: $1500
Message 19 of 28
jsickz32
Valued Contributor

Re: Chase Freedom question

When i applied for mine i had 0 inqs in the last 12 months on EQ and i was approved for $500....that same day i was was approved for BCE for 2500. im thinking about closing my freedom
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Message 20 of 28
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