Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
Re: Advice plz!! Chase Freedom !! (and some questions about score reports)

floridableu wrote:

Hi, all. Smiley Happy


This is my very first post here. I'm new here and just starting to learn how to garden

And it would be great if you guys could give me  some ideas on


1) my chance of getting approved for Freedom I think you have a shot at it, go for it!!

2) max CL I could get appvd/ask for. (I've never asked for CLI before, and I think it's about time to ask..)   Probably 1.5-2K max. YMMV.

3) I see some Inquires on my TransUnion report 1 "Regular Inquiry" (by BOA), 1 "Promotional Inquiry" (by AMEX), 3 "Account Review Inquiries". (by BOA and FIA CSNA) 

Are these all what's called Hard Pull?? If they are, are they harmful to my credit? Smiley Sad The INQ from BoA is a HP. The other 2 are whats called Soft Pulls. Only viewable by you and not effecting your score at all.


From checking my scores through each of the bureau,

-TransUnion: 761, Grade: C (I don't know what that means)

-Equifax: 749

-Experian: for some reason score is not available ( I'm suspecting that BOA hasn't been reporting to Experian??!!)




Currently I have 2 revolving accounts with BOA (AOA: 2yrs) and I have no baddies.


1) Boa Visa Platinum ($1000, since May 2008)   2) Bank of americard Travel Reward ($1000, since Sep 2012) 


*my visa plat started as secured card and unsecured 3yrs ago. *I didn't get instant approval for Travel Reward card, after analyst's manual review I was apprvd.


Thanks for reading my post Smiley Very Happy







Welcome to the forums!!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014