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Valued Contributor
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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Moderator
Posts: 27,936
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 Smiley Happy


EX Fico 08 Bankcard 08/16: 811 (+7) EX Fico 8; 783 (0)
TU Fico 8 08/16: 777(-3)
EQ Fico 8 08/16; 778 (0)
Valued Contributor
Posts: 1,599
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.

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Valued Contributor
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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Community Leader
Super Contributor
Posts: 12,296
Registered: ‎09-13-2013
0

Re: Get Out Your Crystal Balls

I thought Discover was EQ pullers! Good luck OP.
Moderator
Posts: 27,936
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 Fico 08 Bankcard 08/16: 811 (+7) EX Fico 8; 783 (0)
TU Fico 8 08/16: 777(-3)
EQ Fico 8 08/16; 778 (0)
Community Leader
Senior Contributor
Posts: 30,749
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?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
New Contributor
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
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
Established Contributor
Posts: 505
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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