Calculation methodology

What the count means

The count is a personal reference: the number of approved entries whose selected account-open date falls after the date 24 calendar months before today and no later than today. It is not an issuer-calculated count and does not represent eligibility.

Date handling

• The account-open date is used when supplied; otherwise the application date is a fallback.
• Dates are parsed as local calendar dates to avoid UTC day shifts.
• The reference date is the entered date shifted forward by 24 calendar months.
• End-of-month dates are clamped to the last valid day of the target month.
• Issuer reporting and internal treatment may use a different date or boundary.

Account-type controls

The tracker does not assume that every business or authorized-user account receives the same treatment.

• A business entry counts only when the visitor marks that it appears on a personal credit report.
• An authorized-user entry can be included or excluded with the visible toggle.
• Only entries marked approved are included in the reference count.
• Visitors should compare entries with all relevant consumer credit reports.

Known limitations

Chase does not publish “5/24” as a guaranteed policy. Product coverage, exceptions, account reporting, authorized-user treatment, date boundaries, preapproval results, and underwriting can vary. A below-threshold display is not an approval signal; an at-or-above-threshold display is not a denial prediction.

Privacy and exports

Tracker entries are designed to remain in this browser's local storage during ordinary use. Printing, copying, sharing, exporting, browser synchronization, extensions, device backups, and clearing storage are controlled outside the site and can move, retain, or erase information. Do not enter account numbers or other secrets.

Sources and corrections

The site prefers current issuer and regulator sources for factual claims. Community observations are labeled as such. See the editorial policy for the evidence hierarchy and the contact page for corrections.