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New Contributor
Sunshinebiz
Posts: 67
Registered: ‎10-03-2013
0

Chase Internal Scores (CARS)

Myfico fam members- I was hoping that some of you would be able to give me examples of the Chase internal scores you have received, how they compared to FICO scores, and at what score level do you start seeing at least minimal approvals for say the freedom, the slate, amazon VISA, etc??  Recon or Instant

 

Thank you everyone as always for your help 

Gardening spree went on hiatus but I think it paid off. Now back at it!
Building slowly but surely. Thank you to all members of this community for all the invaluable advice.
Latest that I know of: EX- 671, EQ- 653 TU- 648
Amex Green, Barclay Rewards MC, Cap1 Platinum, Cap1 Quicksilver, Credit One(closed!), WalMart, Amazon, DCU Platinum Visa, Jared Credit, Cap1 Spark business cash back, AMEX corporate Gold, Alliant CU Plat Visa, Suncoast FCU Plat Rewards Visa

Goals by end of January: Amex TE Costco, Amex BCE
Can it be done? It wasn't done by end of Jan, but it's still coming
Regular Contributor
ACG23
Posts: 137
Registered: ‎05-02-2014
0

Re: Chase Internal Scores (CARS)

[ Edited ]

Good question!

 

Chase gave me a 620 CARS score last October in denying my Freedom application. That score was actually on-the-nose with my Equifax FICO at the time. I'm betting that was coincidence though.

 

With my FICOs as you see below, I'm hoping to try again after my utilization updates soon. 


Gardening since June 2014
Starting Score: 585
Current Score: 697 EQ (in flux!), 699 EX (5/2014), 714 TU (Discover FICO)
Goal Score: 749


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New Contributor
Sunshinebiz
Posts: 67
Registered: ‎10-03-2013
0

Re: Chase Internal Scores (CARS)

Thanks for the reply! Any more insight out there?

Gardening spree went on hiatus but I think it paid off. Now back at it!
Building slowly but surely. Thank you to all members of this community for all the invaluable advice.
Latest that I know of: EX- 671, EQ- 653 TU- 648
Amex Green, Barclay Rewards MC, Cap1 Platinum, Cap1 Quicksilver, Credit One(closed!), WalMart, Amazon, DCU Platinum Visa, Jared Credit, Cap1 Spark business cash back, AMEX corporate Gold, Alliant CU Plat Visa, Suncoast FCU Plat Rewards Visa

Goals by end of January: Amex TE Costco, Amex BCE
Can it be done? It wasn't done by end of Jan, but it's still coming
Regular Contributor
ACG23
Posts: 137
Registered: ‎05-02-2014
0

Re: Chase Internal Scores (CARS)

I keep hoping someone else will jump in; Chase is such a popular lender here, surely others have experience. Maybe you could try reposting in the Credit Cards forum? It's generally better-trafficked. 


Gardening since June 2014
Starting Score: 585
Current Score: 697 EQ (in flux!), 699 EX (5/2014), 714 TU (Discover FICO)
Goal Score: 749


Take the myFICO Fitness Challenge
New Contributor
Sunshinebiz
Posts: 67
Registered: ‎10-03-2013
0

Chase Internal Scores (CARS)- please advise

[ Edited ]
Chase Internal Scores (CARS)

Myfico fam members- I was hoping that some of you would be able to give me examples of the Chase internal scores you have received, how they compared to FICO scores, and at what score level do you start seeing at least minimal approvals for say the freedom, the slate, amazon VISA, etc??  Recon or Instant

 

Thank you everyone as always for your help 

 

I posted this originally in app approvals and it was moved to credit scoring and didn't see much action there. Several others expressed interest in hopefully getting some insight and experience from some of the many many Chase members here. 

Thsnks again 

 

 

OP,

 

Posting the same topic in multiple boards can result in having threads removed.  If you are not getting traffic on your thread, do not re-post or cross post It is a violation of our TOS. 

 

  • "Bombing” FICO Forums or individual threads with repetitive or meaningless postings, postings unrelated to the purpose of FICO Forums, excessive cross-posting;

 

Lexie, myFICO Moderator

Gardening spree went on hiatus but I think it paid off. Now back at it!
Building slowly but surely. Thank you to all members of this community for all the invaluable advice.
Latest that I know of: EX- 671, EQ- 653 TU- 648
Amex Green, Barclay Rewards MC, Cap1 Platinum, Cap1 Quicksilver, Credit One(closed!), WalMart, Amazon, DCU Platinum Visa, Jared Credit, Cap1 Spark business cash back, AMEX corporate Gold, Alliant CU Plat Visa, Suncoast FCU Plat Rewards Visa

Goals by end of January: Amex TE Costco, Amex BCE
Can it be done? It wasn't done by end of Jan, but it's still coming
Valued Contributor
Skye12329
Posts: 1,095
Registered: ‎07-13-2013
0

Re: Chase Internal Scores (CARS)- please advise

[ Edited ]

For chase i would say high 600's to low 700s for approval, because for me personally i applied with about 80% utilization at the time mainly long story short it was before all my cards reported so my score was probably down 650 - 670 would be my guess. I was instant approved, usually my score is in the 700's and was getting pre-approvals for freedom and slate. 

 

Hope that gives you a rough estimate :smileyhappy: however here were my stats when applied:

 

10 inqs.

AAOA - 1 yr 9 mos

Util - 80%

100% payment history

no baddies

 

So maybe that helps more?

Wallet: Chase Freedom, CSP, Discover IT
The Exiled Cards: Quicksilver, Target, Elan Financial Services, Best Buy, Sears MC
8/11/14 EQ: 687
9/7/14 TU: 700. All goal cards achieved! :smileyhappy: Score is only a number, its the profile that matters. However i will try to achieve 750+
New Contributor
l8erg8er
Posts: 52
Registered: ‎05-10-2014
0

Re: Chase Internal Scores (CARS)- please advise

I had to recon and got a small starting limit but when I got the Chase Freedom last month my stats were

 

 

11 inquiries
AAOA - 1 month
Util - 2%
100% payment history
9 new accounts in the last 6 months
1 boa charge off from 2008
1 judgement for medical collection 2013
The TU score that they sent with the card was 585

 

so I obviously got lucky.

Starting Score: Dec 2013 High 500's Across the board
Current Score: Aug 2014 - TU 671, EX 671, EQ - 676

Capital One Venture || $7000 Total Rewards Visa - $6300 || Chase Sapphire - $5000 || DCU Platinum - $5,000 || Barclays Frontier - $3500 || BOA Cash Rewards $1500 || Barclays Carnival Rewards - $1300 || Chase Freedom - $500 || Capital One QuicksiverOne - $500 || Barclaycard Rewards Mastercard - $750 || Capital One Platinum - $1300 || Care Credit - $1000 || Victoria's Secret $900 || Amazon - $400 || Jcrew - $1450 || Overstock Store $1500 || Old Navy - $300
Senior Contributor
lg8302ch
Posts: 3,091
Registered: ‎11-13-2012
0

Re: Chase Internal Scores (CARS)

When I applied for Freedom in January 2013 Chase gave me an application score of 691 but my EQ Fico was 790 and EX 809 :smileysad: ..that is how I ended up with 22,99% APR!

FICO® EQ 795 (as of today) - TU 778 (11/28) * Fako EX 811 (12/02 - CS) * last app 12/16/14 * INQ last 2 yrs TU: 4, EX: 5, EQ: 3


Move the mouse over the cards for detailed view!..................................................................* Seedling Garden Club member *
Frequent Contributor
Boragard
Posts: 315
Registered: ‎10-04-2013
0

Re: Chase Internal Scores (CARS)

When I got my freedom this January my internal score was about 650 or less with Chase.  I reconned the heck out of it until I was approved.


Garden Start 11/18/2014.
 photo costcoamexchip_zps3a781f9d.png photo greenemv_zps23c675fd.jpg photo chaseemv_zpsed238ae0.jpg photo doublecash_zps3421657b.jpg photo arrival_zps66de46b3.jpg photo bankamericard_zps1caf2fc1.png photo slate_zpsaa8b71b8.jpg
Established Member
ecocredit
Posts: 66
Registered: ‎06-19-2014
0

Re: Chase Internal Scores (CARS)


Boragard wrote:

When I got my freedom this January my internal score was about 650 or less with Chase.  I reconned the heck out of it until I was approved.


Is there a way to see these scores? I have a Freedom but I never saw this score...


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