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Discover unOfficial Data Points

Super Contributor

Re: Discover unOfficial Data Points

Got new Disco card today, pretty nice looking, also got letter from Equihack that my Disco was compromised early on so maybe thats why i got issued new card. EQ stinksSmiley Wink
Valued Contributor

Re: Discover unOfficial Data Points

Don't put the Amazon card in the shredder it will foul it up. You can request a mailer to send it back.. gotcha with metal cards
Valued Contributor

Re: Discover unOfficial Data Points

Second statement post-graduation was yesterday so this morning I did a CLI request -- denied!  More shredder mail on its way.

 

I did confirm that Discover TU FICO provided was correct -- 699 with an unpaid tax lien.  Still at $2500 that was my secured limit and now my unsecured limit.

 

121 days until that card becomes useless for me anyway, so I assume and believe when I apply for my second Discover product it'll have a useful credit limit.  I also noticed that Credit Karma still lists this card as a "Secured Credit Card" so it'll be interesting to see if the next pull there drops that.  I know it doesn't matter, but it'll be great to see it disappear.

FICO8FICO8Visit:
03/1710/17My 11
Rules to
Credit
Rebuilding
550EX
570TU
559EQ
710EX
699TU
734EQ
New Contributor

Re: Discover unOfficial Data Points

Hey guys .. I tried the preapproval site and got denied due to having a new discover account already

 

they offered EQ FICO score but didn't say which version

 

Untitled.png

 

do you think its FICO 8 ??


FICO: EX 698, TU 720, EQ 729. Total CL $17,250. Gardening till Nov 2019.
Community Leader
Super Contributor

Re: Discover unOfficial Data Points


patoot10 wrote:

Hey guys .. I tried the preapproval site and got denied due to having a new discover account already

 

they offered EQ FICO score but didn't say which version

 

Untitled.png

 

do you think its FICO 8 ??


Yes 08.. You must have the first Discover card a year prior to getting a 2nd one.

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | Barclay's| US Bank | Fifth Third Bank | FNBO
New Contributor

Re: Discover unOfficial Data Points

Thanks for the confirmation

 

Discvoer effectively offers all FICO 8 Score for free yay !


FICO: EX 698, TU 720, EQ 729. Total CL $17,250. Gardening till Nov 2019.
Senior Contributor

Re: Discover unOfficial Data Points


patoot10 wrote:

Discvoer effectively offers all FICO 8 Score for free yay !


The question here is can you continue to search for pre-qualified offers (and get denied due to having a card opened in the last year) and still be provided with a new EQ FICO 08 score?

New Contributor

Re: Discover unOfficial Data Points

Of course .. the denial letter says you can try again after a week .. so technically its a weekly EQ FICO 8 score

 

so far I had 3 different scores when trying this to its definitely working


FICO: EX 698, TU 720, EQ 729. Total CL $17,250. Gardening till Nov 2019.
Senior Contributor

Re: Discover unOfficial Data Points

Definitely a cool "trick" for anyone that's opened a Discover card within the last year!

Contributor

Re: Discover unOfficial Data Points

Denied cli again for the 9th month in a row.