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Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012

Re: App Spree, Citi loves me

Congrats on the approvals!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Frequent Contributor
Posts: 351
Registered: ‎11-11-2012

Re: App Spree, Citi loves me

[ Edited ]

dodgeball wrote:

Read the fine print Discover does not use the Fico scoring model it is based out of a possible 950

I have to disagree !!! I got my Discover IT card last month and they used EQ FICO scoring model based out of a possible 850. Received my score with the card

Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Established Contributor
Posts: 2,112
Registered: ‎09-25-2011

Re: App Spree, Citi loves me

[ Edited ]

If it's Walmart Discover Transunion score it's a Fico 08 scoring definately not the same as what most lenders use. GECRB uses TU08 not TU04, not that scores matters at all after 720 on the 04 scoring anyways, since 90% of banks consider 720 prime, and 100% at 760 no real reason to hold a 800 besides elitests who think it makes them more of a man or woman.

navigatethis12 wrote:

distantarray wrote:

Not to burst your bubble, but unless you get a few 30 year old accounts added to your file you'll definately not get a 800 ina  year. Even the Fico president did not have a 800.  CEO of Fico here stated you can not get a perfect score til your "40's something" and the earliest I've ever seen a 800 score was with 12 years of history with a Average age of accounts of 12 years.


Also majority of lenders primarily pull Fico 04 scores, and in the 04 scores no one has EVER reported a perfect score. Only in Fico 08 it's possible.

Well last year with only eighteen months of history, Discover came back with a Transunion FICO score of 776. This what after about eight inquiries so I believe it could have been more before. Most recently with only one inquiries and about 2.5 years of history, I received a letter with a 792 FICO score. That isn't 800, but it is pretty close. Experian was recently at 771 with abot twenty-two or so inquiries. Not sure what Equifax's problem is, as it is low 700's Smiley Sad


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008

Re: App Spree, Citi loves me

Congrats on your CITI card an I hope you get those other cards! 


CSP is an awesome card to have! 

$100K in Credit
Last Credit Card App: 11/16/13

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