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Established Member
Posts: 29
Registered: ‎02-21-2013
0

What are my chances for Discover IT???

I really want to apply for the Discover IT card. I talked to Discover today because I have three missed payments with them back from 2009 but they said I could still reapply. My scores are EQ 617 and EX 643. I have two collections that should be updated to Paid anyday now. I dont want to put the inquiry on my report unless I have good chances of getting approved...


Current Score: EQ 632 EX 653 TU 617
My Wallet: Barclay $2000 | Military Star $4200 | Navy Federal $3500 | Chase Freedom $1500 | Bank Of America $600 | American Eagle $500 | The Company Store $250 | Amazon $400 | Children's Place $150
OFFICIALLY GARDENING: 03/19/13 to 09/19/13 or later
Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011
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Re: What are my chances for Discover IT???


brittany15213 wrote:

I really want to apply for the Discover IT card. I talked to Discover today because I have three missed payments with them back from 2009 but they said I could still reapply. My scores are EQ 617 and EX 643. I have two collections that should be updated to Paid anyday now. I dont want to put the inquiry on my report unless I have good chances of getting approved...


IMO very slim. I would garden what you have for a year while working hard to get the collections off of your report. If they were to approve you it would probably be on a recon and and for a toy limit.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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