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Community Leader
Valued Contributor
starry1
Posts: 2,067
Registered: ‎11-29-2012

Re: Pulled the trigger, Discover IT

Happy dance time!

Starting Score: 11/29/12 TU 527; EQ 565; EX 564 fako - bk7 dc'd 2/15/13
Current Score: 6/2614 TU 624; EQ 635; EX 610
Goal Score:  625 for now– New goal 675

Cap1 sec $700 (SD) / FP $300 (closed) / Fingerhut $1300 / nRewards $2.5k / cashRewards $1.5k / NavChek $2.5k
Amazon $1.7k / Walmart $1k / Von Maur $200 /Firestone $1.2k (last app 10/08/13)
Frequent Contributor
newportguy
Posts: 351
Registered: ‎11-11-2012

Re: Pulled the trigger, Discover IT

Congrats !!!! I know how you feel, i just got mine last month :smileyhappy:


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
New Contributor
Robertwd82
Posts: 71
Registered: ‎11-19-2012

Re: Pulled the trigger, Discover IT

I got approved with a 641 experian fico pulled and over 25 inquires. 1k limit.  No 0% offer but 3.9% instead.  

 

 

Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008

Re: Pulled the trigger, Discover IT

Yay Congrats Shogun! Nice starting CL! Now back in the garden you go! 


$100K in Credit
Last Credit Card App: 11/16/13
Valued Contributor
Scupra
Posts: 1,128
Registered: ‎07-12-2012

Re: Pulled the trigger, Discover IT

Congrats!!!!!

Filed BK7: 7/2012 (start score EQ 560 / TU 529) Discharge 10/2012
691 EQ FICO 06/2014
684 TU FICO 06/2014
682 EX FICO 04/2014
$7k NFCU Flagship Sig - $8.5k NFCU cashRewards Sig - $15k NavChek - $2k Cap1 Quicksilver - $3k Barclays Arrival +
Frequent Contributor
_jb_
Posts: 301
Registered: ‎01-16-2013

Re: Pulled the trigger, Discover IT


Robertwd82 wrote:

I got approved with a 641 experian fico pulled and over 25 inquires. 1k limit.  No 0% offer but 3.9% instead.  

 

 


You mind sharing a bit more about your credit profile? I have 2 inqs. right now (09/12 and 01/13), AAoA is 4 years, and just 3 baddies (2 student loan collections from '07/08ish, and an auto loan late payment in '07 which is reporting wrong), and 9% util as of 01/13, which is now down to 3% (I PIF every month anyways). I don't see any pre-approvals on their website, so it makes me hesitant to apply...


Starting Scores: myFICO EX: ???, myFICO EQ: 678, myFICO TU: 676 (01/2013)
Latest Scores: myFICO EX: 704, myFICO EQ: 702, myFICO TU: 718
My Wallet: Chase Sapphire Preferred, Discover It, NFCU cashRewards, Capital One Quicksilver, Chase Amazon Rewards
Gardening since 02/19/13
Valued Contributor
SnackTrader
Posts: 1,558
Registered: ‎09-15-2012

Re: Pulled the trigger, Discover IT

If you look back over the Discover approval threads you will notice my continual disbelief at these CLs. This thread will continue that trend. I am amazed at their generosity and I am seriously considering getting in while they are so generous. I need to pay my balances down before my next statement date to show low util, but then I might go for this thing.

Congrats, Shogun!

In My Wallet: Amex BCP (12/12) $22.200, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Community Leader
Senior Contributor
myjourney
Posts: 25,139
Registered: ‎02-07-2013

Re: Pulled the trigger, Discover IT

congrats:smileyhappy:

"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...6/6/14 Plat is all mine
Established Member
snowsurf7
Posts: 44
Registered: ‎12-13-2012

Re: Pulled the trigger, Discover IT

I want a Discover so bad but they would't even approve me for a student card when I tried 2 months ago :smileysad:

 

I PIF and have no other debts, not even student loans (woo hoo!!!) so I really dont understand why they hate me :smileytongue: 

 

 

Discover IT, BofA Cash Rewards, Citi Forward, AMEX Green, CapitalOne Cash Rewards, Chase Freedom, Wal-Mart Store
Valued Contributor
SnackTrader
Posts: 1,558
Registered: ‎09-15-2012

Re: Pulled the trigger, Discover IT

What other cards do you have, snowsurf? A lack of credit history could be hurting you, since you have what we call a thin file and lenders won't be able to determine how well you have manged credit in the past. This is a major indicator of future credit performance, and is generally helpful for getting new credit cards.

In My Wallet: Amex BCP (12/12) $22.200, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014

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