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Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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How selective - Chase Freedom

How hard is it to get chase freedom? No know about whogavemecredit. I'm looking for some additional info from forum guys and gals.

Thanks


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Established Contributor
Posts: 541
Registered: ‎12-02-2011
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Re: How selective - Chase Freedom

[ Edited ]

The answer will be vary significantly depending on whether you've burned them in the past or not...

Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: How selective - Chase Freedom

I've never had a chase card or personal account. I have business account under condo association name but that's it. Business account in good standing.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Established Contributor
Posts: 665
Registered: ‎08-02-2011
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Re: How selective - Chase Freedom

They have been very lenient as of late. And while the limit may be low, I've seen some low 600 score approvals....

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Valued Contributor
Posts: 2,857
Registered: ‎06-08-2012
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Re: How selective - Chase Freedom

They pull EQ right? How inquiry sensitive are they? Would score of 650 be good enough?


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Senior Contributor
Posts: 6,242
Registered: ‎08-16-2012
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Re: How selective - Chase Freedom

I recently was denied Chase Freedom with a 649 score on their own scoring system, but I called two diff times for a recon and got a $5k limit! I'd say go for it as  long as you have a year or two of history and a few credit cards in good standing. For recon, you can actually ask them to pull any report.

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Posts: 797
Registered: ‎05-01-2012
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Re: How selective - Chase Freedom

I got denied last month with a score of 651. They pulled TU for me. I did call to recon and they were concerned with my utilization on my Citibank card and my HSBC(now Captial One). Both were hovering at 80-90% utilization. I think I would have been approved on recon if not for that. Last late payment on a card was exactly 2 years ago and one paid collection showing on TU. 


Starting Score: EX: 575 (PSECU 5/2/12) TU: 582 (3/6/12) EQ: 664 (4/27/12)
Current Score: EX: 699 (PSECU 06/04/14) 702 (my FICO 08/05/14) TU: 699 (08/01/14) EQ: 675 (07/08/14)
Goal Score: 720
20K PSECU 7/12 | 12K USAA 9/12 | 11K BOA 1-2-3 9/12 | 9K Citi HHonors 9/12 | 8.5K Citi AAdvantage 5/08 | 5K Chase Sapphire Pref. 9/12 | 3.8K Barclays USAir 7/12 | 6K Walmart Dis. 11/12 | 1K Amex SPG 11/12 | 2K Amex BCP 1/13
Contributor
Posts: 84
Registered: ‎02-14-2011
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Re: How selective - Chase Freedom

I agree that they have been pretty open about accepting lower scores lately. I recieved my score of 655 (not fico) from them when I got my card. I did get the review message and called in and got denied. Did a recon and got approved for a decent limit. Plus I burned them for about 1000 about 5 years ago and they pulled EX. Had 3 recent inquries in a month span.

Frequent Contributor
Posts: 258
Registered: ‎08-19-2010
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Re: How selective - Chase Freedom

I had a tough experience with them when they approved me for the Freedom. They denied me for several times in recon; they just wanted me to lower my util % and when I did they immediately approved me. The limit was low but it's CHASE ! NOW,  I just got approved for another card backed by CHASE.. the Amazon.com card.

I'd say the approvals don't depend on the scores anymore .. they're more about the current and past use of credit .

Established Contributor
Posts: 923
Registered: ‎06-12-2012
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Re: How selective - Chase Freedom

As many know I was approved 8/12/12 for $2k Chase Freedom. Transunion pulled 631. Called (888) 270-2127 day after getting 7-10 day message. Be prepared to explain any baddies/inq.

JP Morgan Select $10k | CSP $10k | Citi TY Premier $15k | BofA 3-2-1 $15k | Chase Freedom $10k | Discover IT $10k | Barclaycard $15k | AMEX SPG $5k | AMEX PRG NPSL | NASA Platinum-Advantage $10k | CapOne Quicksilver $3k | Walmart Card $5k | Amazon Card $10k | Chase Auto 1.49% | Joined myFICO 6/12 with a 540 FICO & today I'm over 750!
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