Reply
Established Member
Posts: 37
Registered: ‎06-20-2012
0

Re: Chase Freedom


tylaw13 wrote:

Just an update.i was initially denied for the freedom called the recon line and the lady was pretty rud saying if she puts it up for recon its gonna say the same thing, so then i called the exec backdoor number and spoke with Lisa Colon who was very pleasant to talk to and she said it might be a hard pull i told her its fine since i already have a bunch of INQ's she called me back and asked about a collection that was paid the day i found out about it. she then went on to say it was a soft pull and im approved for a 1000CL. im pretty siked right now! Thanks alot you guys


Nice! Way to not give up!! :smileyhappy:

Capital One Platinum / Chase Slate turned Freedom / Chase Freedom / Chase Military Star / AAFES Military Star / Discover More

(6-23-12) SW EQ FICO: 677
(6-26-12) Disover HP EQ FICO: 734
Goal FICO: 750

Playing in the Garden!!
Regular Contributor
Posts: 173
Registered: ‎06-28-2012
0

Re: Chase Freedom


Revelate wrote:

tylaw13 wrote:

i will be glad to post my score when i get the card. im pretty sure there in the 650 range. CK said 701 last week and today 681, but i know CK is a unreliable source. im really just glad to get a decent card cause i have is Cap1 platinum for bad\rebuilding credit and cap1 cash rewards for average.



Fixed for you :smileywink:


thank you haha thats what i meant.

EQ FICO - 725 (9/11/13) TU FICO - 724 (6/27/13) EX FICO (6/30/13) 755 AMEX
Im my wallet - Cap1 Platinum MC(2000) Chase Freedom(1500) AMEX BCE (7000) Discover IT (8000) CSP (15000) Cal Coast CU (8000)
Regular Contributor
Posts: 106
Registered: ‎02-08-2012
0

Re: Chase Freedom

YMMV = Your mileage may vary, meaning just because it happened to this person, doesn't mean it will happen to you. It almost goes without saying these days but just to make sure everyone understands.

 

Congratulations on the Freedom, it's a great card to have right now with the 5% bonus for gas!

Capital One Journey (12/2010) | Chase Freedom (03/2012) | American Express Zync (03/2012)

Gardening since 03/2012
Experian score: 752 (6/2014)
Regular Contributor
Posts: 173
Registered: ‎06-28-2012
0

Re: Chase Freedom


Tpelc23 wrote:

That is GREAT!!! I can't wait to close on our house...HOPEFULLY this week so I can apply for a Chase Freedom. My auto loan is with Chase and I would like to refinance it get a better rate. My mid FICO score is EQ which is a 662


i want to refinance my auto loan to thats why im tryin to up my scores. in the last week i pretty much doubled my combined credit line. so after the AAoA recovers i should be good shooting for 700 range so i can get 4% refi rate apposed to my 16% right now.

EQ FICO - 725 (9/11/13) TU FICO - 724 (6/27/13) EX FICO (6/30/13) 755 AMEX
Im my wallet - Cap1 Platinum MC(2000) Chase Freedom(1500) AMEX BCE (7000) Discover IT (8000) CSP (15000) Cal Coast CU (8000)
Regular Contributor
Posts: 173
Registered: ‎06-28-2012
0

Re: Chase Freedom

[ Edited ]

Eschaton wrote:

YMMV = Your mileage may vary, meaning just because it happened to this person, doesn't mean it will happen to you. It almost goes without saying these days but just to make sure everyone understands.

 

Congratulations on the Freedom, it's a great card to have right now with the 5% bonus for gas!



thats usually what i use my cards for anyways. my gas budget is something like 500 a month cause i drive everyday for work as an IT Technician so most of this is reimbursable anyways plus i buy alot of stuff for work that i get reimbursed for so i hope my rewards will be plentiful

EQ FICO - 725 (9/11/13) TU FICO - 724 (6/27/13) EX FICO (6/30/13) 755 AMEX
Im my wallet - Cap1 Platinum MC(2000) Chase Freedom(1500) AMEX BCE (7000) Discover IT (8000) CSP (15000) Cal Coast CU (8000)
Frequent Contributor
Posts: 463
Registered: ‎06-13-2012
0

Re: Chase Freedom

[ Edited ]

Congrats on the recon, from what you had posted I didn't have any doubt in your getting it.  All my scores are in my siggie, as for my sit I had a couple judgments they asked me about.  I was honest letting them know that not even 10 years ago I wasn't very credit savvy and that I used the head in the sand theory when it came to collection agencies.  Told him times had changed, I'm better with my payments and looking to expand my credit portfolio, thanks to this forum for that answer.

01/06/2015 Walmart TU 726
01/06/2015MyFico EQ 705
01/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $5000, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $7800
Regular Contributor
Posts: 173
Registered: ‎06-28-2012
0

Re: Chase Freedom


wreith wrote:

Congrats on the recon, from what you had posted I didn't have any doubt in your getting it.  All my scores are in my siggie, as for my sit I had a couple judgments they asked me about.  I was honest letting them know that not even 10 years ago I wasn't very credit savvy and that I used the head in the sand theory when it came to collection agencies.  Told him times had changed, I'm better with my payments and looking to expand my credit portfolio, thanks to this forum for that answer.


yeah i told the lady i talked to, to look at my payment history ive never been late on a payment and alot of times i pay a couple times a month because cap1 never give CLI's. i also told her i really want to be with a company that cares about there customers and how Cap1 doesnt. and she told me thats shes heard that about cap1

 

EQ FICO - 725 (9/11/13) TU FICO - 724 (6/27/13) EX FICO (6/30/13) 755 AMEX
Im my wallet - Cap1 Platinum MC(2000) Chase Freedom(1500) AMEX BCE (7000) Discover IT (8000) CSP (15000) Cal Coast CU (8000)
Valued Member
Posts: 28
Registered: ‎06-24-2012
0

Re: Chase Freedom

Do you think the approval requirements for Freedom have fallen to the point where they might take people who are on the Chase blacklist? 

EX08: 832 (myFICO 10/07/14)
TU08: 821 (Walmart/MC 12/08/14)
TU08: 834 (myFICO 10/07/14)
EQ08: 830 (myFICO 10/07/14)
EQ04: 802 (Digital Credit Union 12/26/14)
Contributor
Posts: 230
Registered: ‎10-01-2012
0

Re: Chase Freedom

How are the Chase Freedom approvals going?  Still seeing a lot of people getting approved in the mid 600 range.  I have it on my list for November but I haven't seen anyone get in on a recon if they have old judgments or BK.  Any thoughts?


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}