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Valued Contributor
John060675
Posts: 1,126
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: 8,511
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 Ses 07/14: 770 ; 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: 738
TU Fico 8 07/14: 719; TU MPM 06/14 706
Valued Contributor
indiolatino61
Posts: 1,439
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_zps46f2f9f7.jpgWmart (TU): 809, Disc it (TU): 809, CKarma (TU): 772, AmEx (EX): 755, CSesame (EX): 727, Quizz (EQ): 775, myFICO (EQ): 770.
Oldest: AmEx: 26Y-5M, AAoA: 7Y-5M, Utl: 2.73%, 12/24 Inq: 6/16, Income: $104k, Garden: 06/16/2014. Updated 07/20/2014.
Valued Contributor
John060675
Posts: 1,126
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: 2,525
Registered: ‎09-13-2013

Re: Get Out Your Crystal Balls

I thought Discover was EQ pullers! Good luck OP.

GARDENING SINCE: 7/15/14 EQ: N/A EX: 684 TU: 709
MY WALLET: $10k NFCU CASH REWARDS|$10k BOA CASH REWARDS|$7k DISCOVER IT
$5k AMAZON|$5k WALMART|$3k AMEX DELTA SKYMILES|$2500 CHEVRON|$1k BARCLAYS RING
$500 BARCLAYS REWARDS MC
Valued Contributor
gdale6
Posts: 8,511
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 Ses 07/14: 770 ; 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: 738
TU Fico 8 07/14: 719; TU MPM 06/14 706
Community Leader
Senior Contributor
myjourney
Posts: 25,241
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"
Cap1 EO link below
http://lmgtfy.com/?q=Capital+One+CEO+email+address+#seen
Last 5 apps 6/6/13
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: 1,307
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: ||13.5k|| USAA Platinum MC: ||13k|| Amex Delta Gold: ||2k||; BCE: ||9k|| Chase Freedom Siggy: ||10k||
Discover it: ||6.5k|| SG Visa: ||11k|| USAA World MC: ||13k|| US Bank Cash+ Siggy: ||5k|| Citi TYP World MC: ||10.5k||
Barlays Arrival World MC: ||10k||
Fico Scores: EQ 760 (SW),TU 757 (Walmart), EX 738 (myfico) Last app: Arrival World MC 2-1-14
Frequent Contributor
Stralem
Posts: 410
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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