New Member
Posts: 1
Registered: ‎10-19-2012

where to go from here?

[ Edited ]

Hi all,


I would like to apply for a Chase Freedom, but I'm double minded about my chances.  These are my current accounts:


(Always pay in full and no negatives yet)
-Auto Loan Joint liability with wife: Jan 2012 (32k still outstanding)
-Capitol One: April 2012 500 Limit
-Amex Zync: May 2012 NPL
-Amex BCE: May 2012 6k Limit


I'm an AU on my wife's following accounts:
-BoA CC: 2008 4.5K
-The Limited store card: 2008 1k
-Gap store card: 2006 800 Limit
-Macys store card: 2004 2.5k limit


My AoA is listed as 3 yrs and 6 months (because of AU cards). I dont have any credit history prior to 2012. I also have 14 hard inquiries across the three CRAs (all within 2012). Last one was 06/17 when I couldn't resist the sign up bonus for one of the citi cards (of course I was denied).


Any thoughts on my chances for a freedom? I've had a chase checking account for little over a year now and earn 125k/yr. Thanks in advance.

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+