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Approved for Freedom-Denied Discover

Established Contributor

Re: Approved for Freedom-Denied Discover

wow, congrats!!!  Those are very impressive Credit limits!!!


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 21 of 56
New Visitor

Re: Approved for Freedom-Denied Discover

My credit score is fair, and I just got approved for a $5,500 credit line.  Also, 5K from Chase Freedom.  For the person whom relayed they were declined with e 800, plus credit score, I would use the backdoor number and discuss.  Would very well have been an error in the application.  

 

Looking on building my credit about 700...wish me luck

Starting Experian Score: 554 1/22/2007
Current Experian Score: 664

Discover: 5k, Citi: 2K, Chase Freedom 5K
Message 22 of 56
Regular Contributor

Re: Approved for Freedom-Denied Discover

 


distantarray wrote:

Mustangfrank wrote:

Isn't it ?

Maybe they made a mistake.

A Computer glitch.

 

 


you have a 800 score and your wondering **bleep**? lol I only imagine what you'd get with Navy Federal, I remember when I got my first 17k credit limit I was like O_O!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! i was on a high for a few days lol then I read the interest rate 5.99% I was like O_O!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!


This afternoon I just verified that all my Real Fico scores were above 800.

 

I wonder how low my scores are going to go down now. LOL

I guess it really does not matter actually.

I have the cards I wanted to get.

 

0 to 800+ in 10 Months.

I could not have done it without all your help.

 

 

 

 

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Message 23 of 56
Regular Contributor

Re: Approved for Freedom-Denied Discover


Mustangfrank wrote:

LS2982 wrote:

Are you going to call Discover?? Why waste an INQ proably over just verifying info??


I think maybe I will Quit while I am a head.

I went from no credit at all to way more than I need.

 


You got a 30 day message right? That sounds like verifying info...I got that on my forward, called in and all they needed was a phone number! I was instantly approved for 3k (6x my highest limit at the time). So go for it! Its one call, and discover is great! The nicest CRs I've ever dealt with.

Amex Everyday 6k || Chase Sapphire 5k || Buypower Card 5k || USAA Wounded Warrior Mastercard 4k || Citi TYP 4.9k|| Citi Forward 5.5k || Discover It 2k || Chase Freedom 5.5k || Walmart 1k || Chase Amazon 1k
Business: Chase ink cash 5k || AMEX Simply Cash 3.8k
Total CLs: 48.7k
Message 24 of 56
Established Contributor

Re: Approved for Freedom-Denied Discover

 

 

Smiley Very Happy


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 25 of 56
Regular Contributor

Re: Approved for Freedom-Denied Discover


digi wrote:

My credit score is fair, and I just got approved for a $5,500 credit line.  Also, 5K from Chase Freedom.  For the person whom relayed they were declined with e 800, plus credit score, I would use the backdoor number and discuss.  Would very well have been an error in the application.  

 

Looking on building my credit about 700...wish me luck


I paid in full and just let one card report 2%.

That seemed to get the highest bump 2% usage reporting.

If you need to use more credit you can make multiple payments before the due date.

I did that often but never more than tree payments a month.

You will see your scores rise quickly.

 

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Message 26 of 56
Regular Contributor

Re: Approved for Freedom-Denied Discover


distantarray wrote:

 

 

Smiley Very Happy


Thats fantastic. haha

Amex Everyday 6k || Chase Sapphire 5k || Buypower Card 5k || USAA Wounded Warrior Mastercard 4k || Citi TYP 4.9k|| Citi Forward 5.5k || Discover It 2k || Chase Freedom 5.5k || Walmart 1k || Chase Amazon 1k
Business: Chase ink cash 5k || AMEX Simply Cash 3.8k
Total CLs: 48.7k
Message 27 of 56
Regular Contributor

Re: Approved for Freedom-Denied Discover


distantarray wrote:

 

 

Smiley Very Happy

 

DISTANTARRAY YOU ARE A RIOT.

 

LOL......LOL......LOL....

 

ROTFL

 

I can't stop laughing !!!!!!!!!

That is exactly what happened !!!!!

 

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Message 28 of 56
Valued Contributor

Re: Approved for Freedom-Denied Discover


Mustangfrank wrote:

 


distantarray wrote:

call the recon line for Chase Sapphire, they don't like opening two accounts on the same day but you can talk them into it, if you have a checking with them use that as your leverage people have reported they didn't know you had one unless you tell them. I was able to recon no problem. Got both on same day with much less score than you =)


UPDATE:

OK This is a bit overwhelming !!

 

I went to the Chase Site this evening and was checking my account and noticed that my newly approved Freedom account was all set up.

 

Before I leave the site I see the Chase Saphire Prefered card image all sparkly and Beckoning so I figure what the heck and clicked on it. (This is the Card I really wanted to begin withTo my surprise this time it allows me to fill out the application unlike this afternoon.

 

I hit the Apply button and INSTANT APPROVAL !!

I nearly spit water all over my MacBook Pro !

 

Here is the real crazy part......... my Credit Limit is (Drum Roll).................. $17,000.

That's not a Typo Seventeen Thousand Dollars.

 

I am going into the garden, locking the gate behind me and throwing the key down the well.

I think I need a drink.....(and I don't even drink)

 

Thanks Everyone it has been one Hell of a journey.

 



 


 Congrats!!!  Didn't I tell you that you'd be pleasantly surprised!  I knew it'd be instant approval with a big limit!  I am very happy for you!


Starting Score: 642
Current Score: EQ 773, EX 780, TU 777 (All FICO)
Goal Score: 800+

Cards: NFCU Flagship 50K, DC 30K, BCP 28.6K, Arrival+ 25K, Citi DP 22.8K, CSR 20.5K, TotalRewards 25K, QuickSilver 20K

Message 29 of 56
Regular Contributor

Re: Approved for Freedom-Denied Discover

I guess I should although the Discover card was supposed to be my "Safety" card.

Turns out it might be the toughest catch yet.

 

I will follow up tomorrow.

My head is still realing and distantarray has me in stitches.

Amex Zync NPSL 9/12, Amex CostcoTrue Earnings $10K 9/12
Amex BCE $3K 9/12 (Amex Back Dated to 1983)
Chase Sapphire Preferred $17K 11/12, Chase Freedom $7K 11/12
Discover More $750 11/12
CapitalOne Platinum Secured Card 2K 2/12 (Closed 12/12)
FICO: EQ = 804 EX = 802(Amex) TU = 801(Discover)
Message 30 of 56