Left garden early... not worth it!

[9CLINE]

I had a collection on mine and lower scores when I got mine...
I believe you'll be okay, after you call and verify yourself,,
with scores and cards,limits... I think approval.....

[Firefly_1984]

I tried calling, but its too soon. Chalk it up to a lesson learned. I was trying to play it safe because of my personal info being taken. At least the system has proven to work as it should. I will try again on Monday.

[Firefly_1984]

I can honestly say, even with all the lurking and reading I've done to get where I am now, I still have a lot to learn, obviously. Trial and error is one way to learn. Ha! These forums are the reason I was able to succeed with AMEX. thank you.

[Creditaddict]

---

@Firefly_1984 wrote:
I tried calling, but its too soon. Chalk it up to a lesson learned. I was trying to play it safe because of my personal info being taken. At least the system has proven to work as it should. I will try again on Monday.

---

what do you mean to early?

what line did you call and what did they say?

[Firefly_1984]

I called the backdoor number. I was told it was still pending and to give it more time. I am not the most confident person on the phone, so that was the end of that conversation. trying to figure out what to do next.

[SMDLiquid]

---

@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.  )  

---

If you pull your credit report from here it will only show you hard inquiries from the last 12 months. Hard inquiries stay on your credit report for 2 years

[Creditaddict]

---

@SMDLiquid wrote:

---

@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.  )  

---

If you pull your credit report from here it will only show you hard inquiries from the last 12 months. Hard inquiries stay on your credit report for 2 years

---

but banks count them for 12 months.

[Firefly_1984]

While waiting for Monday to come around, I have some thoughts. Is it possible my recent Amex could be scaring Chase off? I was approved on Nov. 16th. I'm really starting to feel I screwed up. And took two 7 point hits on Equifax and Experian. I know the fraud alert could still be THE  reason, but I'm honestly very concerned that this will end up in a denial. And like I said, I do not have the confidence to handle dealing with this on the phone. I'm seriously considering walking away.  

[Creditaddict]

If you can't deal with this on the phone than you should not apply for credit before removing fraud alerts... That like 95% forces you to talk to them.

[TURNERHOOVER]

---

@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.  

---

I would not sweat it. Hardly any INQs you're definitely in.