Reply
Member
Posts: 12
Registered: ‎12-03-2012
0

Re: Chase Freedom??

I wish I could answer, but I have no idea. Utility isn't too high. I'm going to wait a bit before applying. How long does Discover take to report??

Starting Score: 8/2009 - 542
Current Score: 1/2013 - TU 702 / EQ 692/ EX 692
Goal Score: All above 700
Wallet: Discover IT - $8,800 | Amex PRG - NPSL | Capital One Platinum Mastercard - $5,000 | Capital One Cash Rewards Mastercard - $2,000 | Citi Thank You Preferred Visa - $3,000 | USAirways Mastercard - $5,000
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Chase Freedom??


constantgardener wrote:

I wish I could answer, but I have no idea. Utility isn't too high. I'm going to wait a bit before applying. How long does Discover take to report??


well what's not "too high" in your opinion? even 25% can be high for limited history.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Member
Posts: 19
Registered: ‎11-27-2012
0

Re: Chase Freedom??

just applied two days ago..got a pending decesion with my current scores listed below..called the recon number verefied a couple things and bam 5k approval with a baddy also..doesnt hurt to try but call they recon if you geta pending and be really nice to whom ever you talk to


Starting Score: 649
Current Score: 658
Goal Score: 850


Take the FICO Fitness Challenge


Valued Contributor
Posts: 2,256
Registered: ‎07-23-2012
0

Re: Chase Freedom??


distantarray wrote:

constantgardener wrote:

I wish I could answer, but I have no idea. Utility isn't too high. I'm going to wait a bit before applying. How long does Discover take to report??


well what's not "too high" in your opinion? even 25% can be high for limited history.


his amex added 10 years of history which helps smooth things out. 

 

as for discover i believe its right after your second statment but i could be wrong. 

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:6


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.