Chase

[Anonymous]

I want the freedom card so badly!! Ex 671 Tu 678 Eq 672. Unpaid judgement 6+ years. 150 lates 2011 TU only. I have 8 cards (6 rebuilders) since August 2013. Just got discover it and Barclay rewards last month. CK very good odds (I'm taking that with a grain of salt) discover was listed poor and Barclays fair had a 645 when I apped for both. Was denied Amex blue in April with a 645 score. Judgement was a top reason followed by until which was 29% now down to 12%. Loan to high 2200 left just got it in November.

What do you think? A pipe dream?? 😳☺️

[Anonymous]

You do have a shot.  But you are probably looking at a measly limit.  The only way to find out is to try.. Report back with results if you do apply.

[MoreRewards]

If I were you I'd wait. You might get approval but you will probably get a better one if you wait and if you can get the $200 sign up bonus would be better too.

[Anonymous]

Thanks for the advice. Last year my cs was around 520, so those rebuilder cards were a huge help. 110% on time payments. Just scared because of the new "too many accounts in 2 years" policy that people are getting denied for. Like I said they are all rebuilders except discover and Barclays.

[Anonymous]

Who does chase pull?

[Anonymous]

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@Anonymous wrote:
Thanks for the advice. Last year my cs was around 520, so those rebuilder cards were a huge help. 110% on time payments. Just scared because of the new "too many accounts in 2 years" policy that people are getting denied for. Like I said they are all rebuilders except discover and Barclays.

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With Chase, no one knows how the dice will roll.  Someone got approved with a 524 score for the Freedom.  Others with scores in the 800 have been denied.  So it is weird what is going on.

If your gut tells you to wait, then it is best to wait and vice versa.

[rockbttm442]

Chase normally pulls EQ but they also have their own internal scoring system.

[Anonymous]

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@rockbttm442 wrote:
Chase normally pulls EQ but they also have their own internal scoring system.

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Chase will pull any of the three and they do on a regular basis.  You're almost assured that EX will be pulled and Chase quite often will double pull

[Anonymous]

How many points will I lose when applying?

[Anonymous]

^ between 3-10 is possible