I have a FICO score of 651. Ihave 0 inquiries, 0 missed payments and N/A for revolving untilization because I don't have a credit card. I was pre approved for a an discover it student card with a definite APR of 23.24 percent. are my chances good before I apply?
Is 651 on all bureaus? Because assuming you have a score due to student loans having no hard inquiries seems odd to me ... they don't pull for those? Just curious though ..
Discover approves students with no credit score at all so in your case if your credit is clear i'd say they will approve you on the spot
hi debit, im honestly unsure on if there is a hard inquiry for it or not, however, it isn't showing on my credit report and yes thats my score across the board. also everyone, how is discover with students applying for the student card and only having 6 months of credit history? i'd really like to get this as it seems to be the best fit for me.
I'm not a student, but I was just approved for a Disco with scores of EQ 634, TU 617, EX 607. I would give it a try!
1. Have you tried to signup for Discovers Credit Scorecard for a free FICO? ... Also they use this in their preapprovals...
2. Discover is more lenient on approvals for their student cards.. even so much as to use an "enhanced" score for those who have really thin files and/or do not have a FICO reporting yet... this is ONLY used for approvals for student cards... I was declined for a card awhile back but the score they sent back was great and was told I would have probably been approved if i was a student....
3. Think your chances of getting this card are pretty good...
Yes, I have signed up for the free Discover scorecard and have my free FICO score from them. it was from this page that i saw the preapproval tool and tried it and got pre approved for the student it card. The last time I used it they recommended the secured card, this time i was recommended for the student it card.
I got a mailer from Discover with a set APR. Was denied. Had my Cap1 for a year and Amazon for 6 months. If I remember correctly it was because of the age of my oldest account. My FAKO scores were around 680.