Member
Posts: 12
Registered: ‎12-03-2012
Re: Chase Freedom??

I wish I could answer, but I have no idea. Utility isn't too high. I'm going to wait a bit before applying. How long does Discover take to report??

Starting Score: 8/2009 - 542
Current Score: 1/2013 - TU 702 / EQ 692/ EX 692
Goal Score: All above 700
Wallet: Discover IT - $8,800 | Amex PRG - NPSL | Capital One Platinum Mastercard - $5,000 | Capital One Cash Rewards Mastercard - $2,000 | Citi Thank You Preferred Visa - $3,000 | USAirways Mastercard - $5,000
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
Re: Chase Freedom??

constantgardener wrote:

I wish I could answer, but I have no idea. Utility isn't too high. I'm going to wait a bit before applying. How long does Discover take to report??


well what's not "too high" in your opinion? even 25% can be high for limited history.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Established Member
Posts: 19
Registered: ‎11-27-2012
Re: Chase Freedom??

just applied two days ago..got a pending decesion with my current scores listed below..called the recon number verefied a couple things and bam 5k approval with a baddy also..doesnt hurt to try but call they recon if you geta pending and be really nice to whom ever you talk to


Starting Score: 649
Current Score: 658
Goal Score: 850


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Valued Contributor
Posts: 2,300
Registered: ‎07-23-2012
Re: Chase Freedom??

distantarray wrote:

constantgardener wrote:

I wish I could answer, but I have no idea. Utility isn't too high. I'm going to wait a bit before applying. How long does Discover take to report??


well what's not "too high" in your opinion? even 25% can be high for limited history.


his amex added 10 years of history which helps smooth things out. 

 

as for discover i believe its right after your second statment but i could be wrong. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000