My wife shocking Chase pre-approval starting line.

[800FICOGoal]

Congrats to your wife!!!!

[zerofire]

Sounds like wherever you got her score from is seriously wrong. The real score was much higher or Chase did something weird.

My Chase page looks like yours as well and I only have cards. Chase is however known to change up the layout of their site rather unexpectedly. I would not be shocked if some customers have been selected to suffer through experimental layouts. The other option is that in the settings a different layout might be selected. I did not check recently but am certain that Chase offers some rather extensive customization.

[Anonymous]

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@zerofire wrote:

Sounds like wherever you got her score from is seriously wrong. The real score was much higher or Chase did something weird.

My Chase page looks like yours as well and I only have cards. Chase is however known to change up the layout of their site rather unexpectedly. I would not be shocked if some customers have been selected to suffer through experimental layouts. The other option is that in the settings a different layout might be selected. I did not check recently but am certain that Chase offers some rather extensive customization.

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Her Experian is 636 through Experian.com and her Transunion is 609 through Discover, both FICO 08s. I’m going to check Equifax and will report back. Chase did not pull any credit, seems it was via a soft pull.

She has a Chase (now Freedom) since 2011 that was $500 CL and paid in full every month. Recently auto CLI to $1800.

She has a 3 defaulted student loans and 1 charge off for $9k. Utilization is at 10%. AAoA 9 years, oldest account backdated AMEX From 1999.

[Anonymous]

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@Anonymous wrote:
Hey there. Did your wife just cross the 620 threshold or has she been steady in the high 630's? Once you get ove 620 offers start piling up.
If she has recently paid down debt, or has been working on her credit she will receive more offers Congratulations and be careful!
My Chase page looks like yours and my husband's looks like hers. However, he has business and personal credit cards with some high digits
I just have a personal with much lower (4) digits.

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We knew her credit was shot so we didn’t even checked her credit until the approval came through for that initial CL. She has been slowly climbing.

Did you check your marketing settings to see if they were Off like mine where?

[Anonymous]

This is her score track since Jan of this year. 

ExperianTransunion

[Anonymous]

Discover also gave her a $12k line back in October pulling her Experian when she had a 633 FICO. For now we`ll hold on the app and see if we can get the baddies removed. She had an 802 FICO in Experian back in 2010 so I'm not sure if that has to do anything with it.

[vic6string]

How long have you been banking with Chase? If your checking account with them isn't very new, did anything change recently, like did she add her paycheck as a direct deposit or did she open any other accounts with them like savings? I am just trying to see if the reationship with Chase might have something to do with it (I have another post related to that, and am trying to figure out if you can, in fact, help yourself by having a strong banking relationship with Chase outside of credit cards.)

[Anonymous]

The only thing I can think of is the UT has decreased significantly since Jan. We’ll be debt free by Nov. Household income is good with direct deposit into Chase.

[arunkumarmm]

My page use to look like her's but last month changed to look like yours. I think Chase is changing the page layout and testing maybe?

And I checked the marketing preferences and it was all turned on.

[calyx]

Huge congrats!
And remember - it's not just the score, but her overall profile.