Lowest FICO Score for Discover Approval

[TheGardner]

Should be noted, clean files that are young get the best limits.

[Anonymous]

I can't say that was the case for me. Nothing bad, <6 mos. AAoA, $750 initial limit.

[elim]

i'm 0 for 2 with 680 and 690 EQ... must be the major derog on my reports from 2010 

good luck    :]

[Pitt570]

I have just gotten approved for discover it with a 640 score for $1500 and also a chase slate $3500 and also CSP!!!..i dont know if its because i have other good tradelines but my scores dropped from all the inq..

[SunriseEarth]

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@Anonymous wrote:

Flip a coin on Discover.  They're a very funny lender and definitely care more about the actual history than the score itself.

If your scores are lower than around 680 or so, be prepared for a possible counter offer for the joint card or the secured card.  However, with blemishes it's an absolute crap shoot as to whether they decide to take a chance with you or not.

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I agree.   I was denied at 692 for BK.   Since Discover was IIB, I also suspect that played a role.  

[Anonymous]

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@Pitt570 wrote:

I have just gotten approved for discover it with a 640 score for $1500 and also a chase slate $3500 and also CSP!!!..i dont know if its because i have other good tradelines but my scores dropped from all the inq..

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I was approved for $1,800 originally with a 637 EQ FICO.

[Kirmie2010]

Between 669 and 646, 3 unpaid judgements 1 paid judgement and 2 unpaid medical collections, at the time about 25 inquries.  I applied and was offered the counter off that didnt include the 0% apr and such.  1300 starting limit, 2 months later I did the CLI online and was bumped to 1800.

[Pitt570]

Nice!!...discover a oddball.

[Anonymous]

Discover approved me with no credit history whatsoever for a resonable credit limit. A card denied enquiry from chase. A utility enquiry. An enquiry from a checking account (two infact, hard pulls). Then Amex approved me for a card a few days later. So, the answer is Discover reads your entire profile to assess risk. So, no credit score is necessary.

I did however have to give them a copy of my paystub. No biggie. Ditto for Amex, but I let them into my tax returns instead but I didn't have to. I am hoping amex comes back with a higher limit. (I haven't gotten the card yet and I messed up the online setup. So, have to wait for the card to know what they did give me.)

[Anonymous]

You can get approved for a secured card in the high 500s