Credit Card Center Advertiser Disclosure

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

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.

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.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* 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.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.