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Hello there. I doubt it. I had my secured Discover for 5 months, with just a $200 limit. I have been monitoring my scores carefully and cleaning up baddies. I've just 4 left now. Right at the 5 month mark, graduated to $2500 limit, unsecured. I'd clean up the baddies as soon as you can, but mostly keep paying your balance in full and keep your util low to get graduated. You'll get there soon
Graduation isn't a guaranteed thing, but I would say keep doing what you are doing. I'm 19 months in with $2,000 on deposit, never late, low util, and have been actively cleaning up baddies from my report but have not seen any movement from Discover to graduate my account. I'm not in a hurry, either -- the key is to keep all accounts low util or PIF and keep cleaning up.
@Austrausky wrote:Graduation isn't a guaranteed thing, but I would say keep doing what you are doing. I'm 19 months in with $2,000 on deposit, never late, low util, and have been actively cleaning up baddies from my report but have not seen any movement from Discover to graduate my account. I'm not in a hurry, either -- the key is to keep all accounts low util or PIF and keep cleaning up.
Think somewhere in the 640s for TU is a magic number ..... but as always YMMV
-J