CCGuy88 wrote:Ahh I see, so here's my task for tomorrow:
- Should I sign up for a Myfico score? Does that pull a hard pull from my credit?
- Or should I go for a Chase Freedom card?
Umm, you could get a score, but the FICO and the score you get from the CC company or bank wont necessarily be the same. No, there is no hard pull to check your score. If I may ask, what do you estimate your scores to be? and what is the Average Age of your accounts? IME, Chase generally discounts AU's and store cards when apping for their cards, and they like to see a year worth of history (revolving or installment.) If I were you, app for it and see what happens. If not, try again in 6 months to a year. Chase can be a rather conservative lender and they, IME, prefer your reports to be as clean as they can be before granting you a card. I live in California, and they have always pulled Experian for me, and they are also known for being account and inquiry sensitive. Good luck on whatever path you decide to take.