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Chase Freedom Approval Datapoints

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Chase Freedom Approval Datapoints

After cleaning my credit and strategizing my applications, I made the decision to apply for the Chase Freedom 31 Days after getting approved for the Chase Freedom Unlimited to avoid some of the horror stories.

Income $60,000

Credit Scores at time of App:

EQ ~770

TU: 777

EX: 738 pulled from Chase 740 actually from EX report

Oldest Card: 16 months

Average was about a year due to new Chase opened last month

Util at App: 1%

Available Credit: $3,900 reporting, $10,600 with CFU not reported

INQ:

EX: 4 (Just noticed it should've been removed a month ago)

EQ: 3

TU: 3

No installment loans

Card Approved instantly with the same limit as the last card: $6,700, called received in mail 2 days later

 

Thank you everyone for your contributions, I will do what I can to help pass down knowledge!

Message 1 of 11
10 REPLIES 10
Super Contributor

Re: Chase Freedom Approval Datapoints

Chase Freedom

Message 2 of 11
Community Leader
Super Contributor

Re: Chase Freedom Approval Datapoints

Congratulations on your approval there

Message 3 of 11
Community Leader
Mega Contributor

Re: Chase Freedom Approval Datapoints

Very niceSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 4 of 11
Regular Contributor

Re: Chase Freedom Approval Datapoints

Congrats on the approval and nice SL. 



Starting Score: TU 527, EQ 543, EX 563
Current Score: TU 690, EQ 677, EX 694
Goal Score:725 Across The Board


Take the myFICO Fitness Challenge
Message 5 of 11
Community Leader
Mega Contributor

Re: Chase Freedom Approval Datapoints

Congrats on your approval and welcome to the forums! 

 

As far as your inquiry removal goes, it's two years . They are not scorable after a year, though. 

You mentioned your oldest account is 16 months old, so unless inq was for something else prior to first CC app, you have 8-9 months left  depending on CRA  before it's completely gone. 

 

Enjoy your new card 

Message 6 of 11
Frequent Contributor

Re: Chase Freedom Approval Datapoints

Congrats on your approval with a really solid SL!
Message 7 of 11
Highlighted
Senior Contributor

Re: Chase Freedom Approval Datapoints

Congrats on both your Chase approvals!

 

Since your AAOA is a year and both your Chase cards were approved within a short timeframe, I would garden for at least 6 months to minimize any potential AA.

 

 

American Express: Platinum Charge, Optima, Business Gold
Barclays: Arrival+ WEMC
Capital One: Savor WMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (9.3.19) EX: 824 / EQ: 834 / TU: 832
Message 8 of 11
Valued Contributor

Re: Chase Freedom Approval Datapoints

Congrats on your approval!




UNpopular opinions have served me well and will offer that which has worked for me.
Message 9 of 11
Valued Contributor

Re: Chase Freedom Approval Datapoints

Congrats on the approval!


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 10 of 11
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