Member
constantgardener
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 - $6,000 | Amex ZYNC - NPSL | Capital One Platinum Mastercard - $5,000 | Capital One Cash Rewards Mastercard - $2,000 | Citi Thank You Visa - $1,500
Established Contributor
distantarray
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
Vic2186
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


Take the FICO Fitness Challenge


Valued Contributor
creditnocash
Posts: 2,255
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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000