Asking for advice on this.
Im over 5/24, and i have the experian app to view my credit score. Im sitting at 719 exp 704 equi 697 trans
I have a pre approval offer directly from chase in my exp app for the sapphire reserve. But when i log into my chase account and check for any offers, i dont have any. I look at credit journey on chases app and it says my score is 644.
Should i go in branch to see if i have any offers? Do you guys think that will make a difference? Im in the garden currently but if i can get the reserve ill defintely take the HP.
An offer from Chase will not appear in your Experian app; I'm guessing the Experian app is showing you a CreditMatch "Matched for you" offer which is simply marketing based on your credit score. The only places where you would see a Chase offer are in your online account, Chase's mobile app, Chase's prequalified page, Chase Credit Journey, and an in-branch offer. You may also occasionally see offers in third-party apps like CardMatch.com but those are very rare.
Credit Journey uses Vantage Score 3.0 scores which are not used by lenders to make credit decisions so you can safely ignore them and only focus on your FICO 8 scores.
|Total Credit: $218,900||Utilization: 1%||AAoA: 5yrs, 5mths||Installments: Car Lease, Marcus Loan||Baddies: 0||On Chop Block: Nobody NA|