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OMG..can't believe I was approved..CHASE freedom

Regular Contributor

OMG..can't believe I was approved..CHASE freedom

So I was not suppose to app for anything until next year but I was curious about trying for another prime card ever since my AMEX zync denial in June.I applied online and got the 7-10 msg so I decided to call the back door number. The rep told me I was denied because of my unpaid judgment and recent delinquency which are  2 CO's from 2008, I told her that I have not had any lates in 4yrs and I have a few closed paid off loans in the last 2yrs one was an auto loan with Chase. I told her that I have a monthly arrangement for the judgment that I have paid for 3yrs and the CO's were not recent I made a settlement and hey were updated last month. She asked me about why the accounts went delinquent and I told her, she placed me on hold and I was approved for $1500.00. I was in shock because I was expecting a denial, this is my highest limit and first prime card in 8yrs. I am not sure what CRA was pulled I forogt to ask. My current scores are in my siggy. This week has been good, I was able refi my 16.9% APR car loan down to 4.49% with my CU and refi a personal loan with them and that is a $330 a month savings. THANK YOU for helping me restore my credit. I am still really far from 700's but its good to get some approvals being that I was at a score of 510 Jan 2011......Now I will garden for real this time...lol..

Current 3B scores Dec 2016: EQ: 794 TU: 785 EX: 755
Mortgage scores Dec 2016: EQ: 744 TU: 748 EX: 743
2017 Goal: reduce debt and purchase first home
Total credit lines: 112K
Message 1 of 16
15 REPLIES
Established Contributor

Re: OMG..can't believe approved..CHASE freedom

Congrats! I'm still waiting to get back in the Chase family. Was denied the Freedom last month.

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
Message 2 of 16
Established Contributor

Re: OMG..can't believe I was approved..CHASE freedom

Congrats! Enjoy the new freedom card. I love mine.

FICO: EX: 740 (1/18); TU: 753 (12/17); EQ 777 (12/17)
Amex Blue Cash | Amex Mercedes Benz | Amex Schwab Platinum | Amex SimplyCash Plus | Barclays Uber Platinum Visa | Chase Amazon Prime Visa Signature | Chase Freedom Visa Signature | Chase IHG Premier World Elite Mastercard Discover IT Miles | Discover IT More | Lowes Advantage | Macys Store | NFCU Flagship Visa Signature | Penfed Pathfinder Rewards Amex | USAA Limitless Rewards Platinum Visa
Message 3 of 16
Contributor

Re: OMG..can't believe I was approved..CHASE freedom

Congrats. I hv been denied in april and approved last week. Waiting for my chase card and $100 signing bonus after 3 months Smiley Happy

Walmart TU-724 on 12-2012
EX-707 on 08-2012
EQ-668on 08-2012
_________________________________
Wallet - Discover 1500 | Chase Freedom 1500 | OldNavy Visa 2750 | Walmart 2000 | Amex BCE 6000 | BoA Visa Sig 5000 | Chase Marriott 5000 | Amex Hhonor 2000 | CSP 5000
__________________________________________
Message 4 of 16
Valued Contributor

Re: OMG..can't believe I was approved..CHASE freedom

Congratulations!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 5 of 16
Regular Contributor

Re: OMG..can't believe I was approved..CHASE freedom

thanks everyone Smiley Happy... I forgot to add that on my file I have about 18-22 inqs on all reports due to auto shopping in the last year, 3 new store cards in May 2012 and one paid collection from 2011

Current 3B scores Dec 2016: EQ: 794 TU: 785 EX: 755
Mortgage scores Dec 2016: EQ: 744 TU: 748 EX: 743
2017 Goal: reduce debt and purchase first home
Total credit lines: 112K
Message 6 of 16
Established Contributor

Re: OMG..can't believe I was approved..CHASE freedom


cd2004 wrote:

So I was not suppose to app for anything until next year but I was curious about trying for another prime card ever since my AMEX zync denial in June.I applied online and got the 7-10 msg so I decided to call the back door number. The rep told me I was denied because of my unpaid judgment and recent delinquency which are  2 CO's from 2008, I told her that I have not had any lates in 4yrs and I have a few closed paid off loans in the last 2yrs one was an auto loan with Chase. I told her that I have a monthly arrangement for the judgment that I have paid for 3yrs and the CO's were not recent I made a settlement and hey were updated last month. She asked me about why the accounts went delinquent and I told her, she placed me on hold and I was approved for $1500.00. I was in shock because I was expecting a denial, this is my highest limit and first prime card in 8yrs. I am not sure what CRA was pulled I forogt to ask. My current scores are in my siggy. This week has been good, I was able refi my 16.9% APR car loan down to 4.49% with my CU and refi a personal loan with them and that is a $330 a month savings. THANK YOU for helping me restore my credit. I am still really far from 700's but its good to get some approvals being that I was at a score of 510 Jan 2011......Now I will garden for real this time...lol..


CD, I am so happy for you. Your experience gives me hope.I too want to re-establish a relationship with Chase.Here's hoping!!

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Message 7 of 16
Established Contributor

Re: OMG..can't believe I was approved..CHASE freedom

Chase pulls EQ in FL. Congrats!

-Rebuilding with CapOne Cash: $1.5k, NFCU cashRewards $8.5K, NavCheck $5K, Wal-Mart: $1.1K, Sam's: $1.2K, Amazon: $1.9K, Apple Barclay: $3K, Haverty's: $1.5K, GE capital: $5K, Sears: $250(AU), PP MC:$1.5K, CareCredit:$3K (closed 1st home 05/08/13)
Starting Score: 492-TU04, 480-EX FICO V2, 467-EQ Beacon 5 (Via Mortgage PreQual March '12)
Current Score: EX,EQ,TU (lender pull): 652, 659, 689, Walmart TU FICO: 691 (05/13)
Goal Score: 700

Take the FICO Fitness Challenge

Message 8 of 16
Established Contributor

Re: OMG..can't believe I was approved..CHASE freedom


jordanmedical wrote:

Chase pulls EQ in FL. Congrats!


Nice!!! That is my highest score.

EQ-732FICO,EX-PLUS 740,TU-725FICO
Goal 750 Across

NFCU Signature Cash Rewards Visa, Chase Freedom Visa, Wells Fargo Visa Secured
Message 9 of 16
Regular Contributor

Re: OMG..can't believe I was approved..CHASE freedom


MountainHiker wrote:

cd2004 wrote:

So I was not suppose to app for anything until next year but I was curious about trying for another prime card ever since my AMEX zync denial in June.I applied online and got the 7-10 msg so I decided to call the back door number. The rep told me I was denied because of my unpaid judgment and recent delinquency which are  2 CO's from 2008, I told her that I have not had any lates in 4yrs and I have a few closed paid off loans in the last 2yrs one was an auto loan with Chase. I told her that I have a monthly arrangement for the judgment that I have paid for 3yrs and the CO's were not recent I made a settlement and hey were updated last month. She asked me about why the accounts went delinquent and I told her, she placed me on hold and I was approved for $1500.00. I was in shock because I was expecting a denial, this is my highest limit and first prime card in 8yrs. I am not sure what CRA was pulled I forogt to ask. My current scores are in my siggy. This week has been good, I was able refi my 16.9% APR car loan down to 4.49% with my CU and refi a personal loan with them and that is a $330 a month savings. THANK YOU for helping me restore my credit. I am still really far from 700's but its good to get some approvals being that I was at a score of 510 Jan 2011......Now I will garden for real this time...lol..


CD, I am so happy for you. Your experience gives me hope.I too want to re-establish a relationship with Chase.Here's hoping!!


If I was approved then you should be good. I never thought I would see prime cards until after all my baddies hit the 7yr mark...I will be closing Orchard and Household once I get a nice increase from my GERCB cards so that I wont lose utilization that I need

Current 3B scores Dec 2016: EQ: 794 TU: 785 EX: 755
Mortgage scores Dec 2016: EQ: 744 TU: 748 EX: 743
2017 Goal: reduce debt and purchase first home
Total credit lines: 112K
Message 10 of 16