09-21-2012 02:13 AM
They might be using a credit-card enhanced version of FICO, which has their own algorithm. It's likely that it has no correlation to FICO, so it would be impossible to figure out what your FICO that it's based on may be.
09-21-2012 04:50 AM
09-21-2012 06:51 AM
09-21-2012 10:20 AM
Awesome! I was approved after TWO RECONS, and my score according to Chase's scoring sys. was 649. I got the Freedom with a $5k limit! I love this card... They already gave me the $100 cash back bonus which I'm thrilled with.. It's only been like two billing statements! :-)
I almost wanna app for the Amazon just to see if it's an easy instant approval, but I'm in the garden for good til I hit 700 FICO for Amex!
I also had to do two recons. My chase score was 663 and I only got another $500 limit better than a denial! weird scoring system.
02-11-2013 02:55 PM
Chase declined my mother and it said the score they used was FICO and it had a range of 250-900 tops. What kind of weird scoring system is Chase using now? I asked myfico and they said Fico scores only go to 850 and 950 next generation. Chase was not using a credit score they told me a year ago when I called in for a reconsideration. I filed bankruptcy on them but they said the would take me back basically after more payment history yet I wonder if she was telling the truth because all their applications ask if your credit history is clear or any seriously behind accounts and or bankruptcies? All that woman did was confuse me really or didn't know what she was talking about because my mother got declined because of an old Providian/Wamu account that they bought out years ago and she debt settled. This was I think 10 years ago almost. They don't seem to forgive like Capital One. Citi Bank declines me for bankruptcy on all their cards but they just gave me a Citi Sears MasterCard but that is all they will give me no more. I tried Chase again and they did a hard pull at Transunion and then a day later they pulled Experian.. That is strange. They usually only pull transunion like they did on my mother. They are checking me out I think at all three bureaus. My score is 671 at Transunion my last check in Jan. I wish Chase would even give me a $500 limit I would take it because I have basically all Capital One cards and that 1 Citi Card $4k limit.