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I decided to go ahead and pull the trigger on the Chase Freedom. Got the 7-10 day message. I did have to put a fraud alert on my reports due to the Anthem hack. I really hope this doesn't get me denied. I have no baddies, my most current scores are in my sig. I have 2 inquiries each on EQ and EX, but 0 on TU. I got a little too gutsy, I think. I had been planning to stay in the garden, but part of me wanted to have the card sooner to do a little less damage to the AAOA. I feel like a fool right now.
@Firefly_1984 wrote:I decided to go ahead and pull the trigger on the Chase Freedom. Got the 7-10 day message. I did have to put a fraud alert on my reports due to the Anthem hack. I really hope this doesn't get me denied. I have no baddies, my most current scores are in my sig. I have 2 inquiries each on EQ and EX, but 0 on TU. I got a little too gutsy, I think. I had been planning to stay in the garden, but part of me wanted to have the card sooner to do a little less damage to the AAOA. I feel like a fool right now.
Call recon in the morning.
you should be ok, when i got my freedom i had a collection showing.
Will do. I should also add that my current util is no more than 5% at the moment. Income is 30K. I guess I might be borderline.... still frustrated, though.
@Firefly_1984 wrote:Will do. I should also add that my current util is no more than 5% at the moment. Income is 30K. I guess I might be borderline.... still frustrated, though.
sorry to hear that man, thats how i felt when freedom denied me due to a short credit history! so i jus closed all chase accounts! and felt better!
Okay, took a peek at Credit Karma, and it shows Chase pulled Equifax, which has my best score on here . And now it says I have 4 inquries (still trying to figure that one out. I pulled Equifax on HERE a few days ago. 2 inquiries. Something's fishy here. )
With a AMEX and Citi card, I am sure you will be approved for the Freedom.
@Firefly_1984 wrote:Okay, took a peek at Credit Karma, and it shows Chase pulled Equifax, which has my best score on here . And now it says I have 4 inquries (still trying to figure that one out. I pulled Equifax on HERE a few days ago. 2 inquiries. Something's fishy here. )
Credit Karma is not to be relied upon. What shows here is what's real. You should be fine!
With your very good scores and very low Util, I would think that you would be fine. Looking forward to hearing the outcome!
I don't know why you are surprised you got the 7-10 message... you have a fraud alert... the whole point of that is you can't get instant credit.
Did you call this morning, your app is probably sitting in security verification and you answer some questions and they will issue you approval and limit instantly.
call the backdoor number