What are my chances of getting a chase freedom? How long should i wait?

[Anonymous]

2% util reporting, but i have currently 0% utilization. Im generally around 0-10%.

EQ 5 INQ EX 2 INQ TU 4 INQ

NO DEROGS, 100% payments

AAOA = 6m

Oldest 2 at 8 months.

Youngest account = 1 months (Barclay sallie)

Total accounts = 7

I have a closed cap one that was over 11 years old. And a few other accounts that closed due to inactivity. 

Had a  chase card $2000 charge off in 2005 paid after it went to collections.

Report is clean though nothing negative.

40k income

Applied 3 times in 2014 got denied all apps were 3-4 months appart.

What are my chances? How long should i wait to app again? And what kind of limit you predict ill recieve? 

[Anonymous]

check if you are pre approved. chase likes to to see stablished accounts. 

[Anonymous]

---

@Anonymous wrote:

check if you are pre approved. chase likes to to see stablished accounts. 

---

Cant opted out.

[Anonymous]

Opt-in or Opt-out?

[Anonymous]

---

@Anonymous wrote:

Opt-in or Opt-out?

---

Dont want to opt in

I get so much junk mail.

[Anonymous]

---

@Anonymous wrote:

2% util reporting, but i have currently 0% utilization. Im generally around 0-10%.

EQ 5 INQ EX 2 INQ TU 4 INQ

NO DEROGS, 100% payments

AAOA = 6m

Oldest 2 at 8 months.

Youngest account = 1 months (Barclay sallie)

Total accounts = 7

I have a closed cap one that was over 11 years old. And a few other accounts that closed due to inactivity. 

Had a  chase card $2000 charge off in 2005 paid after it went to collections.

Report is clean though nothing negative.

40k income

Applied 3 times in 2014 got denied all apps were 3-4 months appart.

What are my chances? How long should i wait to app again? And what kind of limit you predict ill recieve? 

---

wait until AAoA is atleast 1yr.

[Anonymous]

Pre-qualif will need you to be Opt-in.

It is very difficult to predict Chases behavior especially when the file is thin and accounts or new. I have heard that Chase like to see how you have managed your accounts.

[Anonymous]

How long does opt in usually take to allow softpulls again?

[Anonymous]

Don't go by the pre-qual site. It shows nothing for DW and I and we have 6 recent accounts with chase(4 for me, 2 for her). Even after that, it still shows no offers. I would say just app, but the CO with them may be an issue. 

[Anonymous]

To me a chase freedom is like an Amex black card when I see one. It's so hard to get approved.