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Member
illini2010
Posts: 6
Registered: ‎01-06-2013
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Discover IT APPROVAL!!!

Guys & Gals,

Just wanted to share my recent experience. I finally pulled the trigger on apping for Discover IT after completing the preapproval screening.  To my surprise I was approved instantly!!!  What a great feeling!!!  I definitely do not have the best scores with quite a few dings on my report (30,60,90,120 day lates).  All the major lates are pretty old but still hurt my score.  I'm paying off one credit card at the moment but I'm still at around 75% utilization (4500/6100) My utilization is on the way down tho so just taking baby steps... My Fico scores through this website are TU - 654 and EQ - 635.  Phewwww...feeling great right now.  Just want to thank everyone on these boards for all of their contributions.  I have been lurking for quite sometime and just wanted to share my positive experience and possibly encourage those who are on the fence on apping.  Thank you discover for the opportunity, I will not let you down.  

 

What is the best number to call and check my credit limit? Also when could I expect an alert as to what report they pulled?

 

Thank you in advance 

 

 

 

 

Valued Contributor
mxp114
Posts: 1,359
Registered: ‎09-01-2011
0

Re: Discover IT APPROVAL!!!

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
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Re: Discover IT APPROVAL!!!


illini2010 wrote:

Guys & Gals,

Just wanted to share my recent experience. I finally pulled the trigger on apping for Discover IT after completing the preapproval screening.  To my surprise I was approved instantly!!!  What a great feeling!!!  I definitely do not have the best scores with quite a few dings on my report (30,60,90,120 day lates).  All the major lates are pretty old but still hurt my score.  I'm paying off one credit card at the moment but I'm still at around 75% utilization (4500/6100) My utilization is on the way down tho so just taking baby steps... My Fico scores through this website are TU - 654 and EQ - 635.  Phewwww...feeling great right now.  Just want to thank everyone on these boards for all of their contributions.  I have been lurking for quite sometime and just wanted to share my positive experience and possibly encourage those who are on the fence on apping.  Thank you discover for the opportunity, I will not let you down.  

 

What is the best number to call and check my credit limit? Also when could I expect an alert as to what report they pulled?

 

Thank you in advance 

 

 

 

 


1800 DISCOVER or the link above.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
boomhower
Posts: 1,863
Registered: ‎09-20-2011
0

Re: Discover IT APPROVAL!!!

Congrats.  Hopefully you get a solid CL that will in and of itself help your score by lowering UTL.

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09Lexie
Posts: 25,369
Registered: ‎09-13-2012
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Re: Discover IT APPROVAL!!!

Valued Contributor
FocusedAndDetermined
Posts: 6,288
Registered: ‎01-05-2013
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Re: Discover IT APPROVAL!!!

Congrats! 

Valued Contributor
MsLadyRover
Posts: 2,816
Registered: ‎03-14-2012
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Re: Discover IT APPROVAL!!!

Nice! Congratulations!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

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Member
illini2010
Posts: 6
Registered: ‎01-06-2013
0

Re: Discover IT APPROVAL!!!

Thanks everyone.  I've recently gotten really serious about my credit.  If all goes well I hope to be at 5-9% utilization in about 3 months.  I heard it takes a few hours for the discover account to be online,  Does anyone have any experience with this? 

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myjourney
Posts: 26,204
Registered: ‎02-07-2013
0

Re: Discover IT APPROVAL!!!

Congrats

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Valued Member
Nocturnal
Posts: 55
Registered: ‎09-29-2011
0

Re: Discover IT APPROVAL!!!

Congrats, it's a really nice card!

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