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Regular Contributor
Posts: 216
Registered: ‎07-20-2011
0

Discover Pre-approval

Just the other day, I posted a message asking if Discover is a card worth having. I've always wanted one and was thinking about applying. Well, I opened my mailbox this morning and was excited when I received my very first prime card pre-approval letter ever, and it was from Discover. Was it fate? I applied and received a CL of $4,000. I have every card I've ever wanted except AMEX platinum, which I will ask for an upgrade from a Green Card in 8 months. I'm officially joining the Garden Club for at least a year.

Current myFICO Scores:03/08/12 EQ: 801 • TU: 801 • Bank of America TU FICO: 822 • Credit Karma Vantage: 873

My Wallet: Amex Business Platinum | Amex SPG (5k) | Amex Delta Reserve (33k) | Citi ThankYou Premier World MasterCard (26k) | Chase Mileage Club Visa Signature (15k)
Sock Drawer: Barclay Ring MasterCard (10k) | Discover More (6.5k) | CapitalOne VentureOne (4.5k) | Macy's | Amex Platinum Personal
Valued Contributor
Posts: 1,585
Registered: ‎04-06-2011
0

Re: Discover Pre-approval

Congrats! I have been happy so far with my Discover card. I'm sure you will as well. I will go for an Amex sometime soon.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 709 06/15 (ChaseSlate), TU08 695 05/15
Goal Score: 725+ across the board


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Regular Contributor
Posts: 153
Registered: ‎04-17-2011
0

Re: Discover Pre-approval

Congrats, very nice CL to start with Smiley Tongue

Starting Score: 547
Current FICO Score: TU 747, EQ 732, EX 742 [10/2014]
Goal FICO Score: 777
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Discover Pre-approval

Congrats! How fortuitous that you received a preapproval for a card that you were already thinking of getting! And a nice starting CL, too! Nice going, and welcome to the Garden Club. Smiley Happy


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Established Contributor
Posts: 715
Registered: ‎08-26-2011
0

Re: Discover Pre-approval

Awesome! 4K CL is nice! I'm assuming you have zero baddies on your report? I want a Discover card so bad but unless I get some of my baddies GW'ed, it could be a while.

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Regular Contributor
Posts: 204
Registered: ‎08-03-2010
0

Re: Discover Pre-approval

Yeah Baddies hurt but I got discover with baddies on my report (serious lates) the only thing they look is atleast 2-3 years of current history with no lates and collections. NO BKS too.

Regular Contributor
Posts: 249
Registered: ‎07-21-2011
0

Re: Discover Pre-approval

Congrats! I just recently opted back in for credit card offers and am not so patiently waiting for the onslaught of pre-approvals! Smiley Happy


Starting Score (07/2011): EQ 706 TU 709
Current Score (6/2013): EQ 740 TU 732 EX 740
Goal Score: 750+ on all 3


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Valued Contributor
Posts: 1,585
Registered: ‎04-06-2011
0

Re: Discover Pre-approval

I received my Discover with 5 month recent credit history, no baddies on EQ, 1 on TU. Good history on recent credit though. I think Discover is looking to expand right now. I received a preapproval offer about 1 month after opting back in.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 709 06/15 (ChaseSlate), TU08 695 05/15
Goal Score: 725+ across the board


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Established Contributor
Posts: 715
Registered: ‎08-26-2011
0

Re: Discover Pre-approval

What do you mean by opting back in?

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Valued Contributor
Posts: 1,585
Registered: ‎04-06-2011
0

Re: Discover Pre-approval

Being opted in with the credit bureaus allows them to share your info to CC companies that may want to offer you credit. It also allows them to disclose info for a number of other reasons, but that's probably the main thing.

Starting Score: EQ 681 5/2011, EX 656 6/2011 (PSECU), TU98 642 6/2011
Current Score: EQ 741 12/2011, EX 709 06/15 (ChaseSlate), TU08 695 05/15
Goal Score: 725+ across the board


Take the FICO Fitness Challenge

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