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Hello everyone, I've been reading these forums for the last couple of months or so, and decided to post for the first time. What would my chances be of obtaining the discover it card in my current situation? EX.673-EQ.670-TU.711 all are Fico scores. The TU report is absolutely clear, EQ has a paid medical bill from 2011, and a paid judgement from 2006...due to drop off in October. Lastly EX has the same paid medical as reported on EQ stated above, and nothing else. As far as inquiries are concerned... it's as follows. Tu=14 EQ=7 EX=17. Of those inquiries, I got hit with 12 of em" after purchasing my car last year @ 7/4/2012. I hope I haven't forgotten any vital needed information. I would like to say, the people of these forums give really helpful advice...wonderful job! Thanks in advance for any and all advice.
I actually applied for Discover card based on Creditkarma.com's recommedation
they give you history and score based off TU reports and it's free and and my TU Score based on credit Karma was 709 and said i had a good chance of being approved
when i got the card in the mail my equifax fico score was 697
hope this was helpful on my end
Discover does say it requires excellent credit
Your scores look OK, those Inqs are over a year old, FICO only scores them for a year, so should be good there. I hope someone with more knowledge than me will chime in, but it actually looks like you have a good shot to me.
@wolverine1975 wrote:@Anonymous everyone, I've been reading these forums for the last couple of months or so, and decided to post for the first time. What would my chances be of obtaining the discover it card in my current situation? EX.673-EQ.670-TU.711 all are Fico scores. The TU report is absolutely clear, EQ has a paid medical bill from 2011, and a paid judgement from 2006...due to drop off in October. Lastly EX has the same paid medical as reported on EQ stated above, and nothing else. As far as inquiries are concerned... it's as follows. Tu=14 EQ=7 EX=17. Of those inquiries, I got hit with 12 of em" after purchasing my car last year @ 7/4/2012. I hope I haven't forgotten any vital needed information. I would like to say, the people of these forums give really helpful advice...wonderful job! Thanks in advance for any and all advice.
Welcome to the forum
Score....ok
2 baddies 1 paid 1 not
large number of INQ...but the car should have no effect because they are over a year old and could be explained during recon
IIMHO could be approved but with small limit
Have you tried to work on your baddies first to increase scores and make CR look better?
Thanks for reading and responding. But both baddies are paid. 1 being the judgement on EQ, the other being the medical bill showing on both EQ & EX. Should i wait for the judgement to fall off in October to boost my EQ score? Thanks again
Yes i have a Capital One opened 8/10/10, and a Merrick Bank opened 4/9/13.