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Discover more approvals

Established Member

Re: Discover more approvals

3 CO about 4 years old TU 668 and 15 inquiry due to mortgage 2 cars and 1 app spree 1000 cl
Message 11 of 29
Contributor

Re: Discover more approvals


kobe2012 wrote:

Thx everyone .... Anyone with CO's in mid 600's and lots of inquiries got approve? 



Approved on 08/20 with 1000 CL.

 

They pulled EQ (MYFico 678) and TU (WalMart Fico 620 +)

 

EQ:

One paid judgement Jan 2010

No CO or collections

24 inquiries in 2 years

 

TU

One paid judgement Jan 2010

One unpaid judgement 2006

3 collection accounts from 2006 total 376.00

10 inquiries in 2 years

 

NO lates on anything in the last 2 years and 20+ new accounts since I started rebuilding May 2010. 


Starting Score: 534 11/09
Current Score: FICO 652 05/11
Goal Score: 700+


Take the FICO Fitness Challenge

Message 12 of 29
Established Contributor

Re: Discover more approvals

I was approved for a Discover More with an EQ of 650, a whole bunch of baddies, and AAoA of 8 years.  Starting CL was $1000 and it expanded to $1350 after three months and $1700 after six months.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Message 13 of 29
Established Contributor

Re: Discover more approvals

are these cold apps? or anyone got preapprovals???


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 14 of 29
Established Member

Re: Discover more approvals

I applied because of  a mailing I recieved. I don't think it was a pre-approval, but I could be wrong.

FICO: 754, (Walmart TU, 9/4/13)
Wallet: AMEX Gold, and cash.
Chase Freedom (5000), Capital One Venture1 (4750), CU Visa (5000), Discover More (5500), Walmart Discover (7500), Barclays Visa (2000)

Message 15 of 29
Established Contributor

Re: Discover more approvals

I also received an offer in the mail, but I don't know if it was a preapproval.


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Message 16 of 29
Frequent Contributor

Re: Discover more approvals

I was approved with a 726 equifax after receiving half a dozen pre approved offers in the mail.
Amex B.C.E. - $2.5k - Amex Everyday - $5k - N.C.F.C.U.M.C. - $5k - Amex Gold - NPSL/35k P.O.T. - Discover It - $12k - Sam's Club M.C. - $10k -
Walmart M.C. - $7.5k - Citi T.Y.P. - $10k- Chase Freedom - $5k - Chase Marriott - $7.4k - U.S. Bank Cash + - $6k -
W.M. TU-781(Jan/15) Citi EQ-782(Dec/14) EX-782(Oct/14)
Audi, Vide, Tace. . .
Message 17 of 29
Contributor

Re: Discover more approvals


kobe2012 wrote:

are these cold apps? or anyone got preapprovals???


cold app for me.

 

The closest thing to preapprovals I'm getting right now are offers from First Premier, Merrick and Credit One.....nothing from Prime CC's yet


Starting Score: 534 11/09
Current Score: FICO 652 05/11
Goal Score: 700+


Take the FICO Fitness Challenge

Message 18 of 29
Moderator Emeritus

Re: Discover more approvals

My DH received an offer about a year ago. He has a couple of COs on his report and his file was on the thin side; scores were in the low to mid 600s. I was a little skeptical that he'd get approved, but he decided to go for it. They didn't approve him for the terms offered, but made him a counter offer; higher APR and such than what was on the original offer. He took the counter offer and was approved for $1000. He's had two CLIs since and is currently at $1700.


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
Message 19 of 29
Regular Contributor

Re: Discover more approvals

I was approved with 650-675 scores across the board. 

2-3 baddies, but good AAoA and Util at 29 percent. 

Approved for 1200. had to recon


Current EQ:719 EX: 701 TU:713


Amex Zync/NPSL | Amex Green/NPSL | AMEX BCP/25k | Chase Freedom/2.2K | Discover IT/6.4K | Citi HHonors Reserve/3K | Chase Hyatt/5k | Sapphire Preffered/13K | Ink Business Preferred/13K
Message 20 of 29