I don't think you'd be approved with that credit profile. Even without the collections, 648 is pretty low. I'd wait until you have at least 680 before applying. Giving some time so those collections can age would be good as well.
EX 798, EQ 789, TU 784 American Express Platinum (NPSL) || Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL Barclays American Airlines Aviator Red World Elite Mastercard - $20,000 CL || Chase IHG Rewards World Mastercard - $25,000 CL Chase Sapphire Preferred Visa Signature - $12,700 CL || Chase United MileagePlus Club World Elite MasterCard - $26,500 CL Citibank Hilton Reserve Visa Signature - $20,000 CL || J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Thanks those were the answers that i was looking for. I saw it on free karma that even people with low 600s and high 500s got approved.
I am not sure at the moment. I think I am going to take your words and wait a few months and apply for it. THanks
BearInTrouble
if anyone else got denied from chase freedom please share it with me what your credit score and credit history was when you applied for it. Also when you got approved in mid 600s please share. Thank you
I was approved with a score around 670-685(ish) in December (at the time, had late payments that were over 3 years old, and had account history going back to 2002).
They pulled Experian for me.
Current Cards: Banana Republic Visa ($5,300), Chase Freedom ($2,000), Discover It ($11,500), Amex Costco True Earnings ($5,000), Chase Slate ($2,500)
Starting Score: 642
