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
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.