03-10-2009 02:47 PM
So I have been wanting this card for a long time and a year ago I said I would get my scores high enough to apply in July. I just received a preapproval and im really excited it says it expires at the end of the month. Do you think since I was preapproved that I could apply later and be approved because I dont want to apply now im still trying to clean up my credit report. My highest fico is TU at 734 (very excited about this I started at 456 about a year ago) and I know they pull TU for Discover alot in TX.
Who did Discover pull for you?
03-10-2009 03:18 PM
Thats cool! I guess I might get lucky Im going to wait until my score is a little higher though because of everyone wanting scores above 730 now for prime cards just a little higher for me I guess.
No one really pulls TU in TX I only have one inquiry from Target and thats going to fall off soon.
03-10-2009 04:17 PM
03-10-2009 04:33 PM
03-10-2009 05:13 PM
TU for me in 2008 in OH.
EX for me in 2007 (when I got a denial) also in OH.
Wouldn't worry about missing out on the pre-approval if you wait 'til July. Where there's one Discover pre-app, others are sure to follow, I promise you! I took them up on the first offer that landed in my mailbox (as I was very excited to receive one, having been wanting the card enough to app and get declined a year previously!), and I received maybe 6 or 8 more within a few weeks, after I'd got my card.
If your original plan was to wait until July, I'd stick with it - the older your existing accounts, the fewer inqs you have on your reports, and the higher your scores, the better things are bound to go! If they want you as a customer now, they'll still want you in July... and maybe with a higher CL, etc etc.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO