@yesi-ts-me wrote:
@Anonymous wrote:
APPROVED
APPROVED
PERSONAL EXPERIENCE:
Called 3 times a day!!! (Citi 888-201-4523) no go ...(told me to wait) ... 24 hours later checked online after 10 times and saw the status.
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For Chase i app both Citi and Chase the same time. (2 seperate browsers) ....
Got an email ....
Called Chase: 888-245-0625 (Credit Analyst - Recons)
asked for status and was asked if i was aware of another name and delinquency with Chase and said no. APPROVED. Expedited.
Few hours later...
The next day I called Chase: 888-245-0625 (Credit Analyst - Recons)
asked for status and was no go (turned down) citing declinincy from before with Chase. I reckoned citing the person on the account isn't me. 20 minutes back and forth to several departments they decided to launch an investigation probe on my behalf and if in my favor will honor and approve my application. May take up to 90 days for notification on the status. Wary whether they just closed my Freedom i called the status line the next day and it was still active. Thank you all and hope this serves everyones purpose in completing your future applications. thank you
profile upon submiting application:CHASE Freedom pulled...Experian: 743 (will update this once i recieve their actual scores)Equifax: 572 (Under investigation) ... don't knowUlitzation: 12% (could have waited 2 weeks 6%) I just couldn't waitAAoA: 1 year (probably 8 months now with 3 new accounts) ?Inquires in the last 12 months: 1 (maybe 2 if they saw Citi)@Anonymous: $6,000 @ 18.99%CITI Double Cash pulled...Experian: 743 (will update this once i receieve their actual scores)Ulitzation: 12% (could have waited 2 weeks 6%) I just couldn't waitAAoA: 1 year (probably 8 months now with 3 new accounts) ?Inquires in the last 12 months: 1 (maybe 2 if they saw Chase)@Anonymous: $3,700 @ 18.99% ? says prime rate 15.74% dont know what that means.Thought?I'm still itching for US Bank Cash+ wondering if they would only pull TransUnion: 748 ... although i have 0 inquires in the last 12 months there seem to be another system where they could still see your other inquiries ? so maybe i should wait 6 months or longer before applying this. Luckily, i was not double pulled for Freedom and Sapphire. That is why i applied for Sapphire just hours after Freedom registered. Figured 2 limits for 1 inquiry is well worth the ulitization. Although i was turned down for Sapphire, It does not hurt applying Sapphire hours after Freedom since they used the same scores from previous app. I would advised they may use the same report for 30 days.Congrats!!!
interesting .... they pulled TransUnion. is that this FARLEY STATE-BANK INQUIRY i see ?
Weird I didn't get a chase score with my card today 
.. I didn't ge tthe best term either..hmm
@CreditCuriousity wrote:Weird I didn't get a chase score with my card today
Some of the disclosures can arrive separately from when you initially receive your card. Most folks who get their cards expedited usually get both (card & disclosure) but not always.
@FinStar wrote:
@CreditCuriousity wrote:Weird I didn't get a chase score with my card today
Some of the disclosures can arrive separately from when you initially receive your card. Most folks who get their cards expedited usually get both (card & disclosure) but not always.
im shock ...
factors hurting my credit ? ''TOO MUCH AVAILABLE CREDIT'' TOO MUCH AVAILABLE ... means I'm not using my credit cards , keeping them active. GOOD JOB ? i had 0 inquires with 12 - 14% ultilzaton ... werid
congrats
