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Valued Contributor
John060675
Posts: 1,126
Registered: ‎08-29-2007
0

Get Out Your Crystal Balls

Ok, no one knows for sure, this I know. However, do you think it is worth applying for a Discover It CC with a score around 665 (should be when lower utilization reports).

I have 1 unpaid CO from 5 years ago and 1 collection from the same time ago. From my research it seems to be a 50 / 50 proposition but those posts were from a while ago.

I am just on the fence of what to do.


Starting Score: 583 EQ, 612 EX, 569 TU
Current Score: 658 EQ, 648 EX, 618 TU
Goal Score: 720 EQ, 720 EX, 720 TU


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Valued Contributor
gdale6
Posts: 9,263
Registered: ‎12-13-2013
0

Re: Get Out Your Crystal Balls

Take the shot after everything updates, it will most likely be a TU pull. Good luck :smileyhappy:

EX Cred Ses 08/14: 767 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 07/14: 800
EQ Fico 05/14 781 ; EQ MPM 07/14: 721
TU Fico 8 07/14: 719; TU MPM 06/14 706
Valued Contributor
indiolatino61
Posts: 1,481
Registered: ‎11-10-2012
0

Re: Get Out Your Crystal Balls


John060675 wrote:
Ok, no one knows for sure, this I know. However, do you think it is worth applying for a Discover It CC with a score around 665 (should be when lower utilization reports).

I have 1 unpaid CO from 5 years ago and 1 collection from the same time ago. From my research it seems to be a 50 / 50 proposition but those posts were from a while ago.

I am just on the fence of what to do.


My brother got a $1,000 limit with a score of 668 in November, 2013 so it is definitely possible. The best of luck to you.

 photo Logo-CreditCardCollection-DataInclusive_zpsf395b751.jpg
Valued Contributor
John060675
Posts: 1,126
Registered: ‎08-29-2007
0

Re: Get Out Your Crystal Balls

TU?  On the site which I cannot name (google search credit pull database) it seems Discover pulls EQ or EX.  Man, I hope they do not pull TU.  


Starting Score: 583 EQ, 612 EX, 569 TU
Current Score: 658 EQ, 648 EX, 618 TU
Goal Score: 720 EQ, 720 EX, 720 TU


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Senior Contributor
baller4life
Posts: 3,839
Registered: ‎09-13-2013
0

Re: Get Out Your Crystal Balls

I thought Discover was EQ pullers! Good luck OP.


GARDENING: 11/8/14 - 10/1/15 EQ: 644 EX: 688 TU: 691
MY WALLET: $10k NFCU CASH|$10k BOA CASH|$10k DINER'S CLUB PREMIER|$9k AMEX DELTA
$7.5k NFCU PLAT MC|$7k DISCOVER IT|$5k AMAZON|$5k WALMART|$2.5k CHEVRON
$1k BARCLAYS RING|$1k BARCLAYS RMC|$1k CARE CREDIT|$1k CITI DIAMOND PREFERRED
Valued Contributor
gdale6
Posts: 9,263
Registered: ‎12-13-2013
0

Re: Get Out Your Crystal Balls

[ Edited ]

For me everything is done on TU, am in ID. Have seen quite a few TU pulls in approval comments around the forums lately.

EX Cred Ses 08/14: 767 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 07/14: 800
EQ Fico 05/14 781 ; EQ MPM 07/14: 721
TU Fico 8 07/14: 719; TU MPM 06/14 706
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Senior Contributor
myjourney
Posts: 26,656
Registered: ‎02-07-2013
0

Re: Get Out Your Crystal Balls

Smiley MSN Emoticon 209.gif

I see more info needed 

INQ's in the last year? 

Other cards and limits and how long you've had?

UTL?

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


New Contributor
Libra85
Posts: 74
Registered: ‎12-27-2013
0

Re: Get Out Your Crystal Balls

[ Edited ]

Discover pulled Equifax at the beginning of the month 1/2/14 called back for a recon 1/21/14 and they pulled TransUnion, I was approved for the Discover It Secured card. 

636 Wal-Mart TU 02/14 601 Discover TU 01/14

Starting Score: 578 TU Wal-Mart
Current Score: 672 EQ 696 TU 589 CK 652 SC 637 CS
Goal Score: 720


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Valued Contributor
Swapmeet
Posts: 1,569
Registered: ‎11-10-2012
0

Re: Get Out Your Crystal Balls

Discover pulls EQ for the card and TU for cli--from what I've read. They pulled eq for my card...and cli in a few days.



My Wallet:
WalMart: ||15k|| USAA Platinum MC: ||26k|| BCE: ||9k|| Chase Freedom Siggy: ||10k|| Discover it: ||6.5k|| SG Visa: ||11k||
USAA World MC: ||23k|| US Bank Cash+ Siggy: ||7.5k|| Citi TYP World MC: ||12k|| Barclays Arrival World MC: ||13k||Citi Double Cash World MC ||25k||Sallie Mae World MC ||18.8k||Fico Scores (3 Fico Monitoring): EQ 751,TU 749, EX 743. Last app: 9-12-14 Sallie
Frequent Contributor
Stralem
Posts: 456
Registered: ‎10-08-2011
0

Re: Get Out Your Crystal Balls

I was approved with a 654 and a 6 year old unpaid collection on my reports. I don't remember what my util was at the time, but it was high.

 

Just go ahead an apply.

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