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Holy Fico

Contributor

Holy Fico

So I just received my Discover It card in the mail. It came in fancy packaging and I like the look and feel of the actual card, although it does seem a little flimsy. The thing that shocked me was that Discover pulled my Fico from Equifax and it had me at 768! When I apped for the card, myfico here on Experian said my score was 719! What a big difference! Now I'm thinking I could probably get the freedom and bce for sure....

 

Also, my APR for the Discover is 18.99%. The range on their website is 10.99-22.99 so it's kind of high. My Citi card I got 13.99% which is the lowest on their website so I'm pleased about that. I should get that card in a few days Smiley Very Happy

BoA 123 $2.5k (11/12) // Discover It $3.9k (7/13) // Citi Forward Student $3.8k (7/13) // Chase Freedom 5k (12/13) // Amex Blue Cash 6k (1/15)

Starting Score: No Credit History (11/12)
Current Score: MyFico 761
Goal Score: 800+


Take the myFICO Fitness Challenge
Message 1 of 11
10 REPLIES
Moderator Emerita

Re: Holy Fico

Congratulations on your score. Keep in mind, one is an EQ and the other is EX. . Difference can be more inq's on one particular report .
Message 2 of 11
Contributor

Re: Holy Fico


09Lexie wrote:
Congratulations on your score. Keep in mind, one is an EQ and the other is EX. . Difference can be more inq's on one particular report .

My report on the myfico here said I had 0 inqs before I applied.

BoA 123 $2.5k (11/12) // Discover It $3.9k (7/13) // Citi Forward Student $3.8k (7/13) // Chase Freedom 5k (12/13) // Amex Blue Cash 6k (1/15)

Starting Score: No Credit History (11/12)
Current Score: MyFico 761
Goal Score: 800+


Take the myFICO Fitness Challenge
Message 3 of 11
Frequent Contributor

Re: Holy Fico

LOL! I read the subject line, and my brain automatically added to it, to be:

 

"HOLY FICO, BATMAN!"

 

Smiley LOL

Guess I'm showing my age....

 

And congrats!

Message 4 of 11
New Contributor

Re: Holy Fico

Nice scores. Congrats on the new Discover! Smiley Happy

If women didn't exist, all the money in the world would have no meaning. -- Aristotle
Starting Score: 777
Current Score:  761
Goal Score:      800
Message 5 of 11
Moderator Emerita

Re: Holy Fico

Freedom is not CS driven. Chase really likes rev cr card history. You may get approved cause you are +6 mos.
also, I want to remind you that once these cc's post, your CS will drop some - so if you are thinking about apping and don't mind the inq...go for it.
Message 6 of 11
Contributor

Re: Holy Fico


09Lexie wrote:
Freedom is not CS driven. Chase really likes rev cr card history. You may get approved cause you are +6 mos.
also, I want to remind you that once these cc's post, your CS will drop some - so if you are thinking about apping and don't mind the inq...go for it.

Thanks guys! You think they would accept me espicially since I just apped for 2 new cards + a cli? Also, I got an "you've been selected to apply" mail from Amex for their green card. Don't think it's any special offer or pre-approval or anything right?

BoA 123 $2.5k (11/12) // Discover It $3.9k (7/13) // Citi Forward Student $3.8k (7/13) // Chase Freedom 5k (12/13) // Amex Blue Cash 6k (1/15)

Starting Score: No Credit History (11/12)
Current Score: MyFico 761
Goal Score: 800+


Take the myFICO Fitness Challenge
Message 7 of 11
Moderator Emerita

Re: Holy Fico

IMO, Chase is more inq/new acct sensitive. I'd hate for your approval to be a $500 CL with HP's required to obtain a nice CL.
Message 8 of 11
Contributor

Re: Holy Fico


09Lexie wrote:
IMO, Chase is more inq/new acct sensitive. I'd hate for your approval to be a $500 CL with HP's required to obtain a nice CL.


Me too, which is why I'm still going to wait till the end of the year. I was just really suprised by the high score I had!

BoA 123 $2.5k (11/12) // Discover It $3.9k (7/13) // Citi Forward Student $3.8k (7/13) // Chase Freedom 5k (12/13) // Amex Blue Cash 6k (1/15)

Starting Score: No Credit History (11/12)
Current Score: MyFico 761
Goal Score: 800+


Take the myFICO Fitness Challenge
Message 9 of 11
Contributor

Re: Holy Fico

Actually I just realized the score used here comes from equifax as well....so why the HUGE difference in scores from the same report?? 719 on here vs 768 pulled by Discover??

BoA 123 $2.5k (11/12) // Discover It $3.9k (7/13) // Citi Forward Student $3.8k (7/13) // Chase Freedom 5k (12/13) // Amex Blue Cash 6k (1/15)

Starting Score: No Credit History (11/12)
Current Score: MyFico 761
Goal Score: 800+


Take the myFICO Fitness Challenge
Message 10 of 11