Should I reapply for Chase Freedom

[mcast1018]

I applied for the freedom card online about 4 or 5 months ago and got declined because I had too many inquirys from car shopping 8 months prior. When I got the letter I didn't bother calling the number because I was new to credit cards at the time and had no idea I could talk to an underwriter. I know right now Chase has a limited time offer if you spend $500 in the first few months you'll recieve $200 cash back. Should I wait on reapplying for the freedom card or should I try again? Any suggestions?

[moosetracks]

At the 1 year mark for the inquiries their effect on your FICO scores are 0, if you have refrained from an excess of inquiries since for other new cards on the report they are likely to pull I personally would give it another shot.

[mindcrime]

If you haven't applied for anything since that's hit the report(s) they pull, then you may have a better chance because inquiries reporting then may have fallen off now. Inquiries, though factored into your FICO, don't play a hige role in raising and dipping scores and I believe you simply had too many from applying for other credit and scoring wasn't a factor.

[mcast1018]

Yeah, at the time I had 17 or 18 inquiries from car shopping because my dad was an out of state co-signer and many banks wouldn't accept him even though his fico was 780+. Within the last month or so I've applied for discover and citi and also got a pre approval offer from amex blue sky a week ago. I was accepted for both the discover and amex but declined for the citi. So the only inquiries I have from less than a year ago is verizon, citi, amex, discover, and kay. Is it still a good idea to reapply with those on my credit report?

[mindcrime]

So those 17 from car shopping that are 12 months aged are still on there plus 5 under a year and 3 of those 5 under a month. Depending on which reports have what, you may need to give it more time. If you can give us a better breakdown we can judge better.

[mcast1018]

So those 17 from car shopping that are 12 months aged are still on there plus 5 under a year and 3 of those 5 under a month. Depending on which reports have what, you may need to give it more time. If you can give us a better breakdown we can judge better.

 

I created a myfico account with score watch a few days ago and just looking at my EQUIFAX credit report right now I'm seeing 7 inquires:

June 18: Capital one auto finanacing ( mom wanted me to cosign for her, didn't end up getting a car after all. Dumb desicion of me, I know.)

June 19: Capital one auto financing (duplicate??)

June 21: Kay (1,000 CL)

July 12: Verizon

October 9: Midway Nissan Car Dealership. (without my concent; I need to dispute this)

November 24: Discover ( 1,000 CL)

November 25: Citibank (declined)

 

Good thing I looked at my credit report because theres a few things that shouldn't be on there.

 

On Credit Karma it says I have 19 inquiries on my Transunion. 17 or so I believe are from car dealerships, but I am unable to see what they all are.

 

Is there a way to get my transunion and experian credit reports without paying?

[mindcrime]

Yes, since you we're denied credit you're entitled to a free credit report from the bureau the creditor pulled from

 

 

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[moosetracks]

You are also entitled to 1 free report a year from each CRA, see annualcreditreport.com

[mcast1018]

Yes, since you we're denied credit you're entitled to a free credit report from the bureau the creditor pulled from

 

 

Sent from my iPhone 6 using Tapatalk -

Is there a certain time frame as to when I am able to get the report? Such as being able to get one within "X" amount of time of applying

[shifter]

60 days