Credit Card Application

romey050500 · ‎06-12-2013

Some of you may know that I recently went on an app spree, and was approved for many cards even though my fico score was 680. Well on myfico.com my equifax score was before I hit submit, and still is today a 680. However, on one of my denial letters that I recieved today from chase (I have already reconned and got approved) they have my equifax fico score as 740 ?!?!?!?!?!?!? That certainly explains the approvals. Why such a big difference?

NFCU Flagship Visa 25k - Pentagon FCU Platinum Visa Signature 20k - USAA World MasterCard 10k - USAA American Express 10k - BoA 3, 2, 1 Card 10k - Southwest RR 8.5k - CSP 5k - Chase Freedom 2k - Discover It 2k - Barclay's Arrival 2.5k - NFCU Cash Rewards 2k - Military Star 5.8k - American Express BCP 2k - American Express PRG NPSL

enharu · ‎06-12-2013

Chase might have used a credit card enhanced formula.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).

justforting · ‎06-12-2013

Anyway, congrats on the approvals!

Last App: 09/17/2013 // No App Until: Mortgage (05/14?)

Cards in my wallet: AMEX BCE ($8000) // CITI AA VISA SIG ($5000) // CHASE FREEDOM ($3500) // DISCOVER IT ($1000) // CAP ONE NC ($1000) // WALMART DISCOVER ($1600)
Credit Scores: FICO TU08 (10/13): 739 // Credit Karma (10/13): 677??!! // Credit Sesame (10/13): 730
Next Goal: CSP (after mortgage probably...)