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Valued Contributor
John060675
Posts: 1,125
Registered: ‎08-29-2007

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: 5,062
Registered: ‎12-13-2013

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 Sesame 04/14: 767 ; EX BC Fico 8 04/14: 802
EQ Fico 04/14 791 ; EQ MPM 04/14: 765
TU Discover FICO 04/14: 719; TU MPM 04/14 706
Valued Contributor
indiolatino61
Posts: 1,429
Registered: ‎11-10-2012

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_zps2f177769.jpgWmart (TU): 802, Disc it (TU): 800, CKarma (TU): 767, AmEx (EX): 755, CSesame (EX): 710, Quizz (EQ): 778, myFICO (EQ): 770.
Oldest: AmEx: 26Y-2M, AAoA: 6Y-1M, Utl: 0.81%, 12/24 Inq: 5/15, Income: $99k, Garden: 03/30/2014. Updated 04/22/2014.
Valued Contributor
John060675
Posts: 1,125
Registered: ‎08-29-2007

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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Valued Contributor
baller4life
Posts: 1,686
Registered: ‎09-13-2013

Re: Get Out Your Crystal Balls

I thought Discover was EQ pullers! Good luck OP.


GARDENING SINCE: 3/5/14 till 6/14 then 2016
AAoA: 5 yrs UTIL: 48% working on it!
MY WALLET: $3000 NFCU CASH REWARDS|$1100 FINGERHUT|$700 CHEVRON|$600 WALMART
$500 BARCLAYS REWARDS MC|$500 VICTORIA SECRET|$400 AMAZON|$300 BOA SECURED|$300 CAP 1 SECURED
ALL BUREAUS ON ICE
Valued Contributor
gdale6
Posts: 5,062
Registered: ‎12-13-2013

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 Sesame 04/14: 767 ; EX BC Fico 8 04/14: 802
EQ Fico 04/14 791 ; EQ MPM 04/14: 765
TU Discover FICO 04/14: 719; TU MPM 04/14 706
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Valued Contributor
myjourney
Posts: 23,641
Registered: ‎02-07-2013

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"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it
New Contributor
Libra85
Posts: 74
Registered: ‎12-27-2013

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: 1,280
Registered: ‎11-10-2012

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: ||10k|| USAA Platinum MC: ||13k|| Amex Delta Gold: ||2k||; BCE: ||9k|| Chase Freedom Siggy: ||10k||
Discover it: ||6.5k|| SG Visa: ||7k|| USAA World MC: ||13k|| US Bank Cash+ Siggy: ||5k|| Citi TYP World MC: ||10.5k||
Barlays Arrival World MC: ||10k||
Fico Scores: EQ 700 (SW),TU 745 (Walmart), EX 738 (myfico) Last app: Arrival World MC 2-1-14
Frequent Contributor
Stralem
Posts: 319
Registered: ‎10-08-2011

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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