Who does Chase pull credit from?

The credit report that Chase is most likely to pull for your credit card application is your Experian credit report. We reviewed 293 consumer-reported credit inquiries from the past 24 months and found that Chase pulls credit reports from all three major U.S. credit bureaus, but it seems to favor Experian.
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What credit score will Chase approve?

You need a credit score of 700 or higher to get approved for most Chase credit cards. That means you need good credit or better to qualify for Chase credit cards. For example, the credit score requirement for both the Chase Freedom Flex℠ card and the Chase Sapphire Preferred® Card is 700+.
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Does Chase do a hard credit pull?

Chase only performs a soft credit check when you use its pre-qualification tool, and that doesn't impact your credit score. If you apply for a Chase card, there will be a hard credit check when Chase pulls your credit report. Hard credit checks do cause a small credit score drop.
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Which credit agency does Chase Sapphire reserve use?

Chase uses Experian for hard inquiries on Chase Sapphire Reserve applications — which impacts your credit score. Hard inquiries impact your score around 5 points, but multiple pulls affect your credit (a lot).
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Does Chase use VantageScore or FICO?

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Unlimited access to your VantageScore and credit report.
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Which CREDIT Cards PULL From Which CREDIT BUREAU From (Based On Your CREDIT SCORE)



Why is my Chase credit score different from Experian?

Your score differs based on the information provided to each bureau, explained more next. Information provided to the credit bureaus: The credit bureaus may not receive all of the same information about your credit accounts. Surprisingly, lenders aren't required to report to all or any of the three bureaus.
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Why is my Chase credit score different from FICO?

Basically, "credit score" and "FICO® score" are all referring to the same thing. A FICO® score is a type of credit scoring model. While different reporting agencies may weigh factors slightly differently, they are all essentially measuring the same thing.
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Does Chase check Equifax or TransUnion?

Chase primarily uses Experian as its credit bureau, but also uses TransUnion and Equifax for certain cards in certain states. The following chart shows the combined credit bureau preferences for all Chase cards. As you can see, several states use all three credit bureaus, while relatively few use only one bureau.
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Does Chase Sapphire Preferred use Experian?

The Chase Sapphire Preferred card mainly uses Experian for approval. That doesn't mean it won't use the other major credit bureaus: TransUnion and Equifax, it depends on the state you live in. As for reporting, Chase reports to all three credit bureaus, regardless of which of their credit card you own.
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How hard is it to get approved for Chase Sapphire Reserve?

The Chase Sapphire Reserve has slightly stricter approval requirements than its little brother, the Chase Sapphire Preferred Card. Reports suggest that you'll typically need a score of at least 720 to get approved for the card, though the average score is slightly higher.
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Is Chase a soft pull?

Chase will only do a soft pull if they offer you a credit limit increase. If you request one, they'll do a hard pull. Issuers tend to increase credit limits no more than once every six months. You can apply as often as you want, but you're unlikely to be approved more frequently than that.
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Is Chase inquiry sensitive?

The Chase 5/24 rule, however, does not look at hard inquiries—it looks at credit card accounts that were opened in the past 24 months. Hard inquiries, along with other aspects of your credit reports, may be used in the overall approval process, but only opened accounts affect your 5/24 limit.
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Does Chase pull credit for checking account?

Chase bank doesn't require a credit check to open a checking account. However, they will pull your ChexSystems file. Yes they do check your credit.
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What is the easiest Chase card to get approved for?

The easiest Chase credit card to get is the Chase Freedom® Student credit card because applicants can get approved with limited credit. This means the odds of approval are good even for people who are new to credit, making the Chase Freedom® Student credit card much easier to get than other Chase credit cards.
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What is the Chase 5 24 rule?

Many card issuers have criteria for who can qualify for new accounts, but Chase is perhaps the most strict. Chase's 5/24 rule means that you can't be approved for most Chase cards if you've opened five or more personal credit cards (from any card issuer) within the past 24 months.
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What is the minimum credit score for Chase Freedom card?

To get the Chase Freedom Unlimited® or the Chase Freedom Flex℠, you should have a credit score of 670 or higher. Most successful applicants have good credit, which starts at a credit score of 670, and many have credit scores in the 700s.
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What FICO version does Chase use?

The credit report that Chase is most likely to pull for your credit card application is your Experian credit report. We reviewed 293 consumer-reported credit inquiries from the past 24 months and found that Chase pulls credit reports from all three major U.S. credit bureaus, but it seems to favor Experian.
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What is the minimum credit limit for Chase Sapphire Preferred?

The Chase Sapphire Preferred® Card has a minimum $5,000 credit line. Although a credit score of 700 or above is typical for successful applicants, even college students with limited credit history and income from a part-time job have been approved for this card.
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What credit score do I need for a Chase Sapphire Preferred card?

While there is no official score required, it is generally known that the Chase Sapphire Preferred® Card requires a good credit score, which means 690 or higher. This is not a hard and fast rule, however, and those with credit scores lower than 690 could possibly get approved.
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Is Chase credit score accurate?

Chase Credit Journey gets the credit scores from Vantage, but the actual information on your credit report they get directly from Experian. Experian is trusted since it's one of the credit bureaus, so we can safely know that the credit report displayed on your Chase Credit Journey portal is all accurate.
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Is FICO or Experian more accurate?

Experian's advantage over FICO is that the information it provides is more thorough than a simple number. A pair of borrowers could both have 700 FICO scores but vastly different credit histories.
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Why is my FICO score higher than my credit score?

When the scores are significantly different across bureaus, it is likely the underlying data in the credit bureaus is different and thus driving that observed score difference.
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Is 650 a Good credit score?

A FICO® Score of 650 places you within a population of consumers whose credit may be seen as Fair. Your 650 FICO® Score is lower than the average U.S. credit score. Statistically speaking, 28% of consumers with credit scores in the Fair range are likely to become seriously delinquent in the future.
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Is 690 a Good credit score?

Your score falls within the range of scores, from 670 to 739, which are considered Good. The average U.S. FICO® Score, 711, falls within the Good range.
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Is 722 a Good credit score?

A 722 FICO® Score is Good, but by raising your score into the Very Good range, you could qualify for lower interest rates and better borrowing terms. A great way to get started is to get your free credit report from Experian and check your credit score to find out the specific factors that impact your score the most.
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