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Chase Freedom app. Which fico score?

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dddewdrop
Valued Contributor

Chase Freedom app. Which fico score?

    I was recently rejected for Chase Freedom. I was very interested to receive the rejection letter in the mail. Actually sincere I have embarked on my credit repair campaign, rejection letters excite me because they offer a lot of information for me to learn from. The from page of the letter offered 3 reasons why I was rejected and the back side offered 4 more. They were kinda the same but rephrased. They also said that they got my score from Experian. I assumed at the time that it was a Fair Isaac V2 score but now when I go back and look at it there is guidance after the score and the guidance says that the score is in a range  to 990. That makes me think they were using a Vantage score.  Any insight from the gurus here?

Message 1 of 7
6 REPLIES 6
LS2982
Mega Contributor

Re: Chase Freedom app. Which fico score?


@dddewdrop wrote:

    I was recently rejected for Chase Freedom. I was very interested to receive the rejection letter in the mail. Actually sincere I have embarked on my credit repair campaign, rejection letters excite me because they offer a lot of information for me to learn from. The from page of the letter offered 3 reasons why I was rejected and the back side offered 4 more. They were kinda the same but rephrased. They also said that they got my score from Experian. I assumed at the time that it was a Fair Isaac V2 score but now when I go back and look at it there is guidance after the score and the guidance says that the score is in a range  to 990. That makes me think they were using a Vantage score.  Any insight from the gurus here?


Chase uses an in-house score for their apps. Have you tried a recon?? 888-270-2127         




EQ FICO 548 3/3/16
Message 2 of 7
dddewdrop
Valued Contributor

Re: Chase Freedom app. Which fico score?

    Thanks for the info. I have tried a recon and they said no. I will try again soon. I know what I need to do to be approved and I'm working on it. I am not giving up.

Message 3 of 7
ObeyJohnny12
Established Contributor

Re: Chase Freedom app. Which fico score?

I like the way you think. You have an optimistic view of things and seem to take rejection well. Keep working on those reasons of denial and when you least expect it you'll be instantly approved for the card you want with a big fat cl. Good luck!
Wells Fargo Secured - 7k
Opensky - 5k
Rebuilding One Day At A Time.
Message 4 of 7
toppers555
Established Contributor

Re: Chase Freedom app. Which fico score?

Chase s known to use vantage score



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!


Message 5 of 7
Swapmeet
Valued Contributor

Re: Chase Freedom app. Which fico score?


@toppers555 wrote:
Chase s known to use vantage score

+1. The score that they sited for me was a vantage score.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Message 6 of 7
namvet
Established Contributor

Re: Chase Freedom app. Which fico score?

It was a Vantage score for me as well.

Message 7 of 7
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