What score/ stats needed for CSP?

[09Lexie]

@youngandcreditwrthy

I know! I am looking at it again and it says :

'scoring system name: application score
source : Chase Bank, NA
Range of scores: from a low of 100 to a high of 990

Wth, 100?

Edit: the other range was from my denial letter.

[colindidit]

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@youngandcreditwrthy wrote:
They do look at score, I know; however, that is just one of many factors they look at. They have some type of Vantage score ime. In the past six months, I have opened three new accounts :-/ lol
Opened Amex/Discover in October (after april, 6 mos will be up) and then Citi in February.
Citi pulled my Eq report THREE TIMES, which Im currently disputing and will continue to do so until they remove it; there is no damn reason they should have pulled my report three times especially when I only permitted them, in writing, to perform a soft pull on recon.
So... In 6 months, I only have like 1 inq on Exp (Amex), 1 on TU (Amex) and five on eq ( Amex, Discover, and three Citi hards).

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Same stuff happened to me with chase last year...I applied and gave them permission for one pull and they pulled 3 on my TU 6 days apart...I'd dispute it but they are all falling off in may...but its annoying to have 3 HP's for one card

[crunching_numbers]

You can go to Chase and try the preapproval link. See is CSP shows up as one of the cards they would preapprove you for.

[youngandcreditwrthy]

I never get preapprovals:-/ lol I opted out when I turned 18 to prevent myself from accruing cc debt.
I have opted back in, but I still never get pre approvals lol....
Well, I did get a great offer from BBVA Compass lol but I didnt get that card haha.

[youngandcreditwrthy]

Omg!@navigate this- Citi did the same thing to me!!!
They said my phone number on my report didn't match my CR and that there was a "fraud alert"

There wasn't a fraud alert, and the number on my report was the number they had been calling me on!!! I actually called them very frustrated and asked what the heck they were even talking about!!! Well, as a resident of Texas, I can call and request their method of verification... If I am not satisfied, I will dispute it again!!!! The reason why it's irritating is because that third inquiry dropped my EQ FICO like 12 points all by itself!

[Revelate]

MInimums:

680 FICO (stupid internal Chase approval score)

1 year on a tradeline

35k+ income

Higher / longer / more respectively are better in all cases, but that's about the individual minimums I've seen; however, I would suggest that running right on the ragged edge of all three quite likely would lead to a denial.  YMMV in all cases.

[ryanbush]

Sooooo.......  Are you going to apply?

[youngandcreditwrthy]

Lol Im waiting haha. I can't spook any of my other creditors at this point.

[ryanbush]

Probably the best move but its so hard not to app! lol

[youngandcreditwrthy]

I know! It really is. I'll be down to 3-4 inqs per report by Sept too!! So that should help my chances lol. I'm really trying to firmly break through the 700 to maybe 720-750 so that when I do app lol... I wont go below 700