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Established Member
Posts: 13
Registered: ‎02-09-2011
0

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
Contributor
Posts: 84
Registered: ‎03-11-2011
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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+


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Established Contributor
Posts: 930
Registered: ‎07-30-2011
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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

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Established Contributor
Posts: 697
Registered: ‎03-16-2012
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Re: Discover more approvals

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


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Established Member
Posts: 40
Registered: ‎08-26-2012
0

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)

Established Contributor
Posts: 930
Registered: ‎07-30-2011
0

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

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Frequent Contributor
Posts: 266
Registered: ‎08-20-2012
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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. . .
Contributor
Posts: 84
Registered: ‎03-11-2011
0

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+


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Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

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
Regular Contributor
Posts: 116
Registered: ‎12-29-2008
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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

2/2011=EQ: 590
11/2012=EQ: 683 (after 4 card app spree and reporting)
10/2013=EQ: 708 (reached my goal!! for 2013) EX(amex): 668 TU(Disc):680
Goal = 725 by 6/2014
Amex Zync/NPSL | Amex Green/NPSL | AMEX BCP/15k | Chase Freedom/2.2K | Best Buy/800 | Discover IT/6.4K | Citi HHonors Reserve/3K | Chase Hyatt/5k | Sapphire Preffered/9K
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† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

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