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Chase freedom? with 620 Fico?

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mnosal9
Regular Contributor
‎05-23-2013 07:51 AM
‎05-23-2013 07:51 AM

Re: Chase freedom? with 620 Fico?

Thank you all for you feedback Smiley Happy I will wait a year to apply for chase freedom! Joining the garden club for 12 months!!

Starting: 6/2012 : EX: 485(FAKO) EQ: 490(FICO) Trans: 482(FAKO)
Current : 4/2014: EX: 650(FICO) EQ: 664 (FICO) Trans: 681 (FICO)

Cards: NPSL Amex Green (AU), $11500 Discover IT, $4000 Quicksilver One, $3500 Bank of America Travel Rewards,$3000 Amex BCE,$3000 Quicksilver One, $3000 AA, $2500 Sallie Mae MC, $5000 Citibank AA, $1500 Barclay, $1200 Macys
~Back to the Garden~

Goal Score: 700 Across!

Gardening til 8/2014!!
Message 11 of 15
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asphaltcowboy
Valued Contributor
‎05-23-2013 08:05 AM
‎05-23-2013 08:05 AM

Re: Chase freedom? with 620 Fico?

@mnosal9 wrote:

Thank you all for you feedback Smiley Happy I will wait a year to apply for chase freedom! Joining the garden club for 12 months!!

Welcome to the clubSmiley Happy


Starting Score TU 667 EQ 663 EX 655
Current Score TU 778 EQ 776 EX 781 Last Update 4/2016
Garden Club 04/10/2013
Message 12 of 15
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CredittotheMax
Frequent Contributor
‎05-23-2013 09:23 AM
‎05-23-2013 09:23 AM

Re: Chase freedom? with 620 Fico?

No way, they are gonna deny you for either too many inquries, too many new accounts, or lack of history. I find chase's CC is harder to get than Amex. I personally got denied 3-4 times for lack of history and too many new accounts. They said at least have a year and a half of good credit history and I apped with 0, 3, 8 months of history. But, at the same, I got approved for two Amex... 

$5k$4.5k$2.8k$8k$500
FICO = EQ: 786 (1/15) TU:774 (2/15) EX: 767 (2/15)
Message 13 of 15
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LS2982
Mega Contributor
‎05-23-2013 09:37 AM
‎05-23-2013 09:37 AM

Re: Chase freedom? with 620 Fico?

Score aside the number of new accounts will be an automatic decline. IMO I would garden for a year and work on raising some of those secured card CLs. Smiley Happy



EQ FICO 548 3/3/16
Message 14 of 15
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oztsvi
New Contributor
‎05-23-2013 11:23 AM
‎05-23-2013 11:23 AM

Re: Chase freedom? With 620 Fico?

well i applied two weeks ago and got instantly approved for 3k, i tried back in nov 2012 and got denied for short credit history.

i think your score is a bit low, bump up your score and try again 6 months from today.

you'll also get more good history on your other accounts Smiley Happy

Message 15 of 15
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