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Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

Discover IT chances??

Getting the itch......just want to know what my chances for approval if I was to app now...

 

History

 

scores in siggy .....bk 7 reporting  from june 2005....turning 7.5 in Jan

 

utility is 20%

AAoA is at least  4yr on TU and EQ its 5.8

5 inqon EQ from April of this year.....2 to 3 on CR

Wsa going to hold out till next year June when BK7 turns 8 yr

 

app in March to discover and was shot down...called for Recon and was told to wait till it turn's 7 yr

 

Want to take advantage of  5% deal on all

 

what do you think??

 


Valued Contributor
afbar1114
Posts: 2,179
Registered: ‎01-09-2012
0

Re: Discover IT chances??

I got approved for a more then converted to a it....my scores were 638 for TU which they pulled. Utl 41% one  baddie


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

Re: Discover IT chances??

[ Edited ]

did u have a BK ??

 

I have gone to there preapproval page and they have nothing for me


Valued Contributor
afbar1114
Posts: 2,179
Registered: ‎01-09-2012
0

Re: Discover IT chances??

[ Edited ]

No bk did  u ever have a freeze on your reports? If so this can cause no pre approvals to show.....you can try with those cards I think you can get it


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Established Contributor
amercnchopz34
Posts: 839
Registered: ‎10-28-2011
0

Re: Discover IT chances??


afbar1114 wrote:

No bk did  u ever have a freeze on your reports? If so this can cause no pre approvals to show.....you can try with those cards I think you can get it


I have not tried but I have gotten some crap pre approvals in mail from QVC/GE bank and Merrick so I dont think so ...I just think I might get denied due to BK and or inq>>


Member
guycreddit
Posts: 5
Registered: ‎05-04-2009
0

Re: Discover IT chances??

I was approved for 1200 discover it with a bk thats 7.5 years old this week. I had to talk to a rep though he asked about reasons for the bk  and my employement situation fico score was 658 util rate around50%

DISCOVER IT 1200, WALMART STORE CARD 3000, ORCHARD BANK 450, ORCHARD BANK 520 , CAP1 500, CHASE SLATE 1500, BARCLAYS NFL 500
10/2012 EQ 658, EX 758 credit sesame TU 690 MYFICO.COM
Valued Contributor
afbar1114
Posts: 2,179
Registered: ‎01-09-2012
0

Re: Discover IT chances??

i had 9 inqs got 1200 cl


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30

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