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Established Contributor
Posts: 577
Registered: ‎01-31-2008
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Is score enough?

I just pulled my EQ here and it was 668.  My strengths were zero lates of any kind, weaknesses involved balances on cards (uttil is around 55%).  I'm still planning to pay down util, but I'm just curious where my score stands now.  At some point I'd like to add a travel card such as the Chase Marriott or Chase Disney since we are planning a trip later this year.  I know my situation will only get better by paying a few more months in terms of interest rates and limits, which is why i will still wait, but is my score enough to even qualify for a card like that now?  I do have the Chase Freedom, one year old this week.

Chase Freedom: $1500, Citi Diamond Preferred: $3000, Barclays: $3900, Chase Disney Visa: $1500, Chase Southwest Signature: $5000, Citi TY Preferred: $3000, Cap One Platinum: $1750, Cap One Platinum Rewards: $2500, Orchard Bank: $900, Kay Store Card: $6600, PayPal $2200
Valued Contributor
Posts: 1,068
Registered: ‎03-16-2013
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Re: Is score enough?


EaglesFan2006 wrote:

I just pulled my EQ here and it was 668.  My strengths were zero lates of any kind, weaknesses involved balances on cards (uttil is around 55%).  I'm still planning to pay down util, but I'm just curious where my score stands now.  At some point I'd like to add a travel card such as the Chase Marriott or Chase Disney since we are planning a trip later this year.  I know my situation will only get better by paying a few more months in terms of interest rates and limits, which is why i will still wait, but is my score enough to even qualify for a card like that now?  I do have the Chase Freedom, one year old this week.


If your planning a trip later this year why don't you apply for a card when you bring you util down.  That is the easiest way to increase score and why not wait and give yourself the best possible chance at approval.  With your scores now you might be borderline why take the chance for HP and not get an approval.

Established Contributor
Posts: 577
Registered: ‎01-31-2008
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Re: Is score enough?

Thanks. I plan on waiting a bit, I was just trying to gauge where I stand now
Chase Freedom: $1500, Citi Diamond Preferred: $3000, Barclays: $3900, Chase Disney Visa: $1500, Chase Southwest Signature: $5000, Citi TY Preferred: $3000, Cap One Platinum: $1750, Cap One Platinum Rewards: $2500, Orchard Bank: $900, Kay Store Card: $6600, PayPal $2200
Established Contributor
Posts: 909
Registered: ‎12-25-2010
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Re: Is score enough?

You will probably be in the best shape if your scores are north of 700....

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
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Posts: 27,207
Registered: ‎09-13-2012
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Re: Is score enough?

Util is the issue- get it down and your CS will go up.
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Posts: 15,442
Registered: ‎04-09-2011
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Re: Is score enough?


EaglesFan2006 wrote:

I just pulled my EQ here and it was 668.  My strengths were zero lates of any kind, weaknesses involved balances on cards (uttil is around 55%).  I'm still planning to pay down util, but I'm just curious where my score stands now.  At some point I'd like to add a travel card such as the Chase Marriott or Chase Disney since we are planning a trip later this year.  I know my situation will only get better by paying a few more months in terms of interest rates and limits, which is why i will still wait, but is my score enough to even qualify for a card like that now?  I do have the Chase Freedom, one year old this week.


IMO I would say no. Your better off getting the util down below 10% first, youll be wasting INQs otherwise.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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Senior Contributor
Posts: 27,327
Registered: ‎02-07-2013
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Re: Is score enough?


LS2982 wrote:

EaglesFan2006 wrote:

I just pulled my EQ here and it was 668.  My strengths were zero lates of any kind, weaknesses involved balances on cards (uttil is around 55%).  I'm still planning to pay down util, but I'm just curious where my score stands now.  At some point I'd like to add a travel card such as the Chase Marriott or Chase Disney since we are planning a trip later this year.  I know my situation will only get better by paying a few more months in terms of interest rates and limits, which is why i will still wait, but is my score enough to even qualify for a card like that now?  I do have the Chase Freedom, one year old this week.


IMO I would say no. Your better off getting the util down below 10% first, youll be wasting INQs otherwise.


+1 Agreed and scores / UTL aren't the only part to an approval other factors also weigh in the decision as well  INQ,AAoA,Lenght of payment history

+ Chase ink =




Established Contributor
Posts: 577
Registered: ‎01-31-2008
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Re: Is score enough?

Thanks all. I understand more things go into decisions, but the only question mark I have is util. Ill definitely wait and make that better, but I was really just curios about my overall value. Not as good as I thought, but that's okay for now!
Chase Freedom: $1500, Citi Diamond Preferred: $3000, Barclays: $3900, Chase Disney Visa: $1500, Chase Southwest Signature: $5000, Citi TY Preferred: $3000, Cap One Platinum: $1750, Cap One Platinum Rewards: $2500, Orchard Bank: $900, Kay Store Card: $6600, PayPal $2200
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Posts: 27,327
Registered: ‎02-07-2013
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Re: Is score enough?


EaglesFan2006 wrote:
Thanks all. I understand more things go into decisions, but the only question mark I have is util. Ill definitely wait and make that better, but I was really just curios about my overall value. Not as good as I thought, but that's okay for now!

Just wanted to say you took the general advice of many listened, absorbed it and came to a good conclusion...IMHO BRAVO and well thought out 

keep up the good work 

+ Chase ink =




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