Starting Score: ~470 preBK(8/2010)
I had an erroneous "baddie" (collection) on my CR's when I applied for Discover More around April of 2011 (would only approve with a CS when I called). After I finally went through the state attorney general to get said "baddie" removed that summer, I ended up applying for DM again around December; got a wait message, called, they said the system had approved me for $6500 so they weren't sure why I got a wait message. They decided there were a couple "glitches" being it should have came back with an instant approval.
In my experience and from all I've read, Discover does not like "baddies" whatsoever.
SoulMaster wrote:My Fico had me around 650, they said 633ish (different scoring model, I guess). They gave me $1K.
That's just about the same for my DH when he was approved -- very similar scores, same CL.
Starting Scores for 2013: EQ 723, TU 735, EX Credit Sesame 751
Current Scores: EQ 748, TU 741 (06/01/2013), EX 743 (06/13/2013)
Goal Score: 740+ FICO scores
Take the FICO Fitness Challenge Silver Spade Garden Club Member - Last App: 03/04/2013 - No apps until Fall 2013
Cards: Cap1 Venture 6.4k, Cap1 NHCR MC 750, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 4k, Citi Diamond Preferred MC 7.55k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 5.7k, Kay Jeweler's 5.1k
Brian_Trying_700; CONGRATS on getting in with Discover! 
I'm guessing you got the More. Did they give you the 15 months 0% intro deal?
So far I like Discover a lot more than I ever thought I would (no pun intended lol). They seem to have very good CS and I've saved a few bucks using "Shop Discover" too. Whenever I've called they've been VERY impressive by being helpful, knowledgeable and friendly. I'd rank their CSRs up there with NFCU and PenFed, and coming from me, that's a huge compliment.
It's funny that years ago I never considered Discover to be "a real CCC" and now I'm so glad I didn't pass on the chance to apply. I never would have thought when they first came out that one day they would (IMHO) make BoA and Citi seem like cheap "imported" plastic.
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