topic Re: Chase Freedom QUESTIONS! in Credit Cards

Chase Freedom QUESTIONS!

Anonymous — Thu, 01 Mar 2012 01:28:53 GMT

I am trying to apply for Chase Freedom credit card. Here are my questions.

Which credit report would they check? Transunion, Equifax, or Experian.

What is the min credit score to get approved? My equifax is 648.

I got a bit of inquiries will that make it disapproved?

I have two collections accounts which are two years old and paid off xD

Do I have a chance to get approved?

Thanks guys,

BearInTrouble

Re: Chase Freedom QUESTIONS!

Anonymous — Thu, 01 Mar 2012 02:01:50 GMT

They pulled Equifax for me, about 2 weeks ago.

Re: Chase Freedom QUESTIONS!

Anonymous — Thu, 01 Mar 2012 02:04:22 GMT

EX for me July 2011.

Re: Chase Freedom QUESTIONS!

AF_23 — Thu, 01 Mar 2012 02:18:58 GMT

EQ on 2/8

Re: Chase Freedom QUESTIONS!

Anonymous — Thu, 01 Mar 2012 03:58:27 GMT

They also pulled EQ for me last week.

I have quite a bit of inquiries but none in the last 5 months or so and got approved. YMMV

Re: Chase Freedom QUESTIONS!

Datx — Thu, 01 Mar 2012 04:04:37 GMT

Chase pulled EX for me in the past, but since my EX was frozen, they pulled TU last week or so and I was approved.

Re: Chase Freedom QUESTIONS!

improvingmycredit — Thu, 01 Mar 2012 04:05:38 GMT

My bro lives in Florida and he just got the Freedom last month. They pulled EQ

Re: Chase Freedom QUESTIONS!

CreditScholar — Thu, 01 Mar 2012 05:48:24 GMT

I don't think you'd be approved with that credit profile. Even without the collections, 648 is pretty low. I'd wait until you have at least 680 before applying. Giving some time so those collections can age would be good as well.

Re: Chase Freedom QUESTIONS!

Anonymous — Thu, 01 Mar 2012 06:50:44 GMT

Thanks those were the answers that i was looking for. I saw it on free karma that even people with low 600s and high 500s got approved.

I am not sure at the moment. I think I am going to take your words and wait a few months and apply for it. THanks

BearInTrouble

if anyone else got denied from chase freedom please share it with me what your credit score and credit history was when you applied for it. Also when you got approved in mid 600s please share. Thank you

Re: Chase Freedom QUESTIONS!

JustMe77 — Thu, 01 Mar 2012 07:08:02 GMT

I was approved with a score around 670-685(ish) in December (at the time, had late payments that were over 3 years old, and had account history going back to 2002).

They pulled Experian for me.

Re: Chase Freedom QUESTIONS!

spengbab — Thu, 01 Mar 2012 07:10:10 GMT

My score was 660 when I applied and got approved. When I got the card, unfortunately, it seems that Chase has their own proprietary formula. Generally credit companies will say where it's from. Chase says it's their proprietary score and I had a score of 623.

Re: Chase Freedom QUESTIONS!

AF_23 — Thu, 01 Mar 2012 07:48:21 GMT

@spengbab wrote:
My score was 660 when I applied and got approved. When I got the card, unfortunately, it seems that Chase has their own proprietary formula. Generally credit companies will say where it's from. Chase says it's their proprietary score and I had a score of 623.

I wonder where Chase comes up with their nonsense scoring

Re: Chase Freedom QUESTIONS!

LS2982 — Thu, 01 Mar 2012 11:10:56 GMT

@Anonymous wrote:
I am trying to apply for Chase Freedom credit card. Here are my questions.
Which credit report would they check? Transunion, Equifax, or Experian.
What is the min credit score to get approved? My equifax is 648.
I got a bit of inquiries will that make it disapproved?
I have two collections accounts which are two years old and paid off xD
Do I have a chance to get approved?

Thanks guys,
BearInTrouble

Very slim to none. Garden for a year and get your FICO score up and work on getting the collections removed.

Re: Chase Freedom QUESTIONS!

clocktick — Thu, 01 Mar 2012 13:04:56 GMT

Chase pulled TU for me in NY for the Freedom in June. I had 5 inquiries at the time. I don't know about score but I usually read upper 600s. YMMV as usual. I would probably let your reports age, especially having the 2 paid off baddies.