@Anonymous wrote:Gladly. This is the link that brings you to the page. It is near the top section of the page and reads: Survey raw data + pivot tabl. It will say view/download. I downloaded it, but my Excel had to repair the file. It is an incredible spreadsheet.
https://www.reddit.com/r/churning/comments/4z0sy0/chase_sapphire_reserve_megathread_online
LMK if it doesn't work, but I just tried the link and it was fine.
I'm always extra careful, so I'd think twice about wasting a hard pull if you're one or two over the 5/24, and just wait it out.
Thanks!
An inquiry is /shrug, I'm at 3 scoreable anyway on EX and those all drop off by June anyhow with no plans for other things.
My "relationship" with Chase historically has been strong, broken 5/24 a couple of times when it was hardcore enforced based on forum datapoints. Also in this case, it's leaving a bunch of rewards potentially on the floor assuming the travel gig comes through. Worst case there's always recon, and I'm on the cusp of closing or downgrading cards anyway so I'd gladly sack some of them from Chase competitors (like Amex) if required haha.
Looking at that data you provided, I should simply proceed with confidence once Discover next reports and the rest of the minor utilization is prettied up ($180/200 on the test card hah)... EX deleted my tax lien today 
@Anonymous wrote:Real nice on getting your tax lien deleted. That's huge. I assume your scores will be positively and considerably impacted. Check the breakdowns on the second and third pages regarding approvals based on credit scores.
We're in the same boat on waiting for cards to report: Discover I'm zero'ing out tomorrow, they report on the 19th. And then Chase I zero out with $1,200 on the 19th, which reports the 23rd I think, and - just like that - ZERO utilization. I actually didn't know about the damage high-utilization can cause until 5 weeks ago (Nov 2). Definitely a newbie. But I will have paid off every debt in my life down to zero between Nov 2 through December 20th - ten more days. Thus my credit scores will have gone from 590 to 770/780+ in less than 8 weeks (after Chase reports on January 4th). Now I'm a professional novice. And happier than a pig in s... Slop?
Let me know what happens with your app?
Will do!
Oh and something smart if you wish to do it (like I just did): once the Discover balance is $0, can call them and ask for a mid-cycle update. Was stupidly easy to do, very nice little perk from their customer service that I recalled reading about after laying out the plan on this thread to you.
As for the tax lien, I'm not out of the woods (30/60 late from 2010) yet but I gained 26 points on EX FICO 8 and historically Chase has pulled my EX so that's nothing but goodness, and the maxxed out tradeline dropped me -14 points on my previous scorecard so I'm hoping I'll get at least that much back on the presumably cleaner scorecard I'm likely on now. Moving up in the world and every little bit helps, right now at 756 which doesn't suck but 770 let's go haha!
@Anonymous wrote:@Anonymous
The only reason i suggested having a card with a cl of 5K is because they did bring that up during my recon call. They denied me for the previous derogitory relationship, but also mentioned that I dont have much experience with large cl's. I have a 11K limit on a capital one card, but i got it 5 months ago. They "suggested" that they wanted to see more history on that, but I dont think thats what swayed their decision. I also have a new Simmons First Platinum with a 9K limit, but i applied for that after chase pulled my credit so they would not have it on my report. I thought the Simmons was going to be much harder to get, and then it just showed up in the mail.
In addition, closing accounts seems to look bad to creditors, Makes you look like a churner or someone who just signs up for the points, gets them, then ditches. I would NOT suggest closing any of your older cards, as they make a big impact on your credit age history. If you are paying annual fees on any of those, call and see if they will waive them. Suggest that you want to close the account because of the fees, and sometimes they will counter by removing the fee.
In fact, Capital one offered to combine my two accounts with them for a total cl of 17K, but i refused, as that would basically "close" my older of the two accounts and i see that credit age as more vaulable.
Im calling Recon back today to see how my payment status update went. I waited an additional business day to call so it would be in their system for sure.
Closing a card doesn't affect your credit age until it drops off (in 10 years after closing give or take).
If you can get the AF waived sure go for it, but otherwise you can either simply eat it or consider doing a PC: all you have on a credit report is name, type, and well open date and limit and if you know what you're looking for in your competitors products. Also the trended data can give it away for AF's potentially.
A sophisticated analysis could well guess some of the tradelines in my report, but if I make some changes, other than the trended data (if even reported by the lender, and I could fake it with too much effort if I really cared, which I don't) good luck with that one.
BCP -> BCE
CSP -> something w/o AF at Chase
Venture -> Quicksilver
Etc. ad naseum, and other than you and the lender in question nobody knows. Sure if that one lender happens to be Chase and you have a couple of cards there's no shielding that from them, but everyone else is going to have to look twice and even then not be 100% sure (and a diverse credit report is a good thing)
That said waiving an AF, that's going to be in your record as well at the lender... can't assume that's a neutral action.
End of the day if someone really wanted to run the analytics they could figure something out, probably, but why /shrug. Just do what's right financially and go on with life.