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03-13-2013 11:02 AM - edited 03-13-2013 11:03 AM
03-13-2013 11:40 AM
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).
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
03-13-2013 12:37 PM
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.
03-13-2013 05:31 PM
03-13-2013 05:37 PM
03-13-2013 06:37 PM - edited 03-13-2013 06:37 PM
680 FICO (stupid internal Chase approval score)
1 year on a tradeline
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.
03-13-2013 06:48 PM
Sooooo....... Are you going to apply?
03-13-2013 07:03 PM
03-13-2013 07:13 PM
Probably the best move but its so hard not to app! lol
03-14-2013 09:50 AM