Senior Contributor
jsucool76
Posts: 3,628
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 (myfico.com)?

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.