topic Re: Chase freedom approval! in Credit Card Approvals

Chase freedom approval!

Anonymous — Wed, 18 Jun 2014 03:13:40 GMT

Have been rebuilding credit for 2 years now.
Called and applied for chase freedom on a whim and was pleasantly surprised to be approved!
Credit limit 3,500 but a high apr of 22.9%

My first prime card since the rebuld!

Current cards are
VS 0/300$
Stage 0/300$
Buckle 0/350$

3 medical collections unpaid
1- 2 month old mortgage (I don't even think it's being reported yet)
Last known fico is 703 from mortgage lender

ETA- I started my rebuld journey at 493 fico credit score (ughhhh!)

AAoA - 0 years 9 months
Inquires - 6
Utilization 0% (currently only because I JUST bought a house. Normaly it's between 5-9% and I PIF)

Thank you to everyone on these boards.. I couldn't have done it without you!

Should I do an app spree? What do you recommend

Re: Chase freedom approval!

tonyjones — Wed, 18 Jun 2014 02:33:25 GMT

@Anonymous wrote:
Have been rebuilding credit for 2 years now.
Called and applied for chase freedom on a whim and was pleasantly surprised to be approved!
Credit limit 3,500 but a high apr of 22.9%

My first prime card since the rebuld!

Current cards are
VS 0/300$
Stage 0/300$
Buckle 0/350$

3 medical collections unpaid
1- 2 month old mortgage (I don't even think it's being reported yet)
Last known fico is 703 from mortgage lender
ETA- I started my rebuld journey at 493 fico credit score (ughhhh!)

Thank you to everyone on these boards.. I couldn't have done it without you!

Should I do an app spree? What do you recommend

What was your AAoA, inquiries and credit utilization?

Re: Chase freedom approval!

ExplicitElicit — Wed, 18 Jun 2014 03:04:13 GMT

Congrats, don't forget to activate you 5% bonus!

Re: Chase freedom approval!

Anonymous — Wed, 18 Jun 2014 03:08:14 GMT

AAoA - 0 years 9 months
Inquires - 6
Utilization 0% (currently only because I JUST bought a house. Normaly it's between 5-9% and I PIF)

Re: Chase freedom approval!

ezdoesit — Wed, 18 Jun 2014 03:14:21 GMT

@Anonymous wrote:
AAoA - 0 years 9 months
Inquires - 6
Utilization 0% (currently only because I JUST bought a house. Normaly it's between 5-9% and I PIF)

Congrats

Re: Chase freedom approval!

Anonymous — Wed, 18 Jun 2014 03:15:27 GMT

@ExplicitElicit wrote:
Congrats, don't forget to activate you 5% bonus!

Thank you! It's been so long and so worth all the hard work!

Re: Chase freedom approval!

tonyjones — Wed, 18 Jun 2014 04:05:16 GMT

I can't believe how high your score is even with three unpaid collections, crazy.

Re: Chase freedom approval!

Anonymous — Wed, 18 Jun 2014 04:35:26 GMT

@ezdoesit wrote:
@Anonymous wrote:
AAoA - 0 years 9 months
Inquires - 6
Utilization 0% (currently only because I JUST bought a house. Normaly it's between 5-9% and I PIF)
Congrats

thank you !

Re: Chase freedom approval!

Anonymous — Wed, 18 Jun 2014 04:36:41 GMT

@tonyjones wrote:
I can't believe how high your score is even with three unpaid collections, crazy.

all three are medical collections over 5 years old. i think this has a lot to do with it...

Re: Chase freedom approval!

coldnmn — Wed, 18 Jun 2014 10:09:10 GMT

Congrats! Thanks for sharing.

Re: Chase freedom approval!

MsLadyRover — Wed, 18 Jun 2014 13:04:31 GMT

Congrats OP!

Re: Chase freedom approval!

MissMoni223 — Wed, 18 Jun 2014 13:57:44 GMT

CONGRATS on your Freedom approval! Your credit score is definitely moving in the right direction.

Re: Chase freedom approval!

IamB2 — Wed, 18 Jun 2014 14:02:40 GMT

@Anonymous wrote:
@tonyjones wrote:
I can't believe how high your score is even with three unpaid collections, crazy.
all three are medical collections over 5 years old. i think this has a lot to do with it...

How long ago they were has a major impact on the score. Plus a collection is factored in the same way whether it is paid or unpaid, so that has no impact on it whatsoever.

Congratulations on the approval by the way.

Re: Chase freedom approval!

alvon123 — Wed, 18 Jun 2014 16:51:46 GMT

congrats

Re: Chase freedom approval!

gdale6 — Wed, 18 Jun 2014 17:55:38 GMT

Congrats on your Chase Freedom

Re: Chase freedom approval!

Anonymous — Thu, 19 Jun 2014 01:23:34 GMT

Thanks everyone!
I applied for discover IT last night. Called this morning and denied oh well 1 out of 2 is not bad! Off to the garden !