Super Contributor
Posts: 7,102
Registered: ‎12-11-2011
Re: Advice plz!! Chase Freedom !! (and some questions about score reports)
You can no longer purchase your EX fico. Experian blocled consumer access.

Did you get the scores from here (

1) you could probably be approved for a freedom if those scores are accurate.
2) ask for what you feel you deserve. Income matters when asling for a CLI.
3) "regular" inquiries are HPs. There is usually seperate sections for inqs on your reports, and one will say something else (<different type> inquiries) followed by "only you can see this inquiries. " those are SPs. I can't for the life of me remember how they refer to soft inquiries in a report.

Hard inquiries stay on your report for 2 years, and only affect your score for the first 12 months. Soft inquiries dont affect you at all. The first inq you mentioned is most likely a hard, the other ones are probably softs.

Hope this helps.