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discover it card

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ladyvg270
Regular Contributor

discover it card

I want to apply for a discover it card and citi card. Dose anyone know if i have a old paid judgement and 1 collection(medical) on my credit report will that affect me getting approved?

Message 1 of 12
11 REPLIES 11
KoolDev
Regular Contributor

Re: discover it card

Those things do have an affect, BUT it will most likely be affected by your score, utilization of cards you may already have (or lack there of) and any late payments reporting.

My Sock Drawer: Care Credit $4200-0, JCP 2100-0, Chase 3000-0, Chase Freedom $4500.00-0, WF $1000.00-0.00
In Use: NFCU Visa Sig $17.5k- 0.00k
I still have too MANY CARDS
Starting Score 538
Current Score Oct 30-14 701 fico Eq-- 745 Fico Tu-- 713 Fico Ex
Message 2 of 12
newmomnewme
Valued Contributor

Re: discover it card

OMG...I just applied yesterday.   really wanted to get the 5% cash back

 

I have an old paid judgement, 4 or 5 paid collection accounts....DENIED and another HP

 

On my denial, my score was a measly 615 and they listed judgment, collection, and too many inq. 

 

Smiley Sad back to my corner in the garden. 

012019 Fico8/Mortgage Score:
Current Fico9/Fico8/Mortgage Score:
MyGoal Fico8/Mortgage Score:
Take the myFICO Fitness Challenge


Message 3 of 12
KoolDev
Regular Contributor

Re: discover it card

I've been scared to app them.  Its not like i dont have more than enough to start with tho.  I have had no luck with Citi and just scared to mess with Discover.  I NEED to go to the garden for about 4 months, let the dust settle and see where things are.  Just got a Chase amazon rewards card with a $50.00 discount on my next order, but heck at this point, i dont even want to use it.  

My Sock Drawer: Care Credit $4200-0, JCP 2100-0, Chase 3000-0, Chase Freedom $4500.00-0, WF $1000.00-0.00
In Use: NFCU Visa Sig $17.5k- 0.00k
I still have too MANY CARDS
Starting Score 538
Current Score Oct 30-14 701 fico Eq-- 745 Fico Tu-- 713 Fico Ex
Message 4 of 12
newmomnewme
Valued Contributor

Re: discover it card

KoolDev!!!! Lets go to the garden...I felt so stupid after being denied yesterday.

 

In less than 2 months, I cleaned most of the baddies off my CR...but,  I have also added the following:

 

Barclays- $143/500

Cap1 Visa- $120/1000

Target- $0/200

NFCU- $900/10k (not reporting yet)

 

I already had VS $0/300 and Cap1 MC $0/750. ....The 5% cash back was calling my name. 

 

 

012019 Fico8/Mortgage Score:
Current Fico9/Fico8/Mortgage Score:
MyGoal Fico8/Mortgage Score:
Take the myFICO Fitness Challenge


Message 5 of 12
KoolDev
Regular Contributor

Re: discover it card

Ok, im in the Garden until my Fico Eq hits 710ish then i can refinance my last subprime loan !   I have way more than enough cards.  Just dont need anymore lol.  I jsut checked the scores thru Fico and my Tranunion Fico is now 733, wooooohooo !  Eq is stagnate until reports come in and we get an idea if the paid collections is goin to come off.  Man i hate waiting !  lol  All lates and the collection has come off my Transunion, crosses fingers for Eq Smiley Happy

My Sock Drawer: Care Credit $4200-0, JCP 2100-0, Chase 3000-0, Chase Freedom $4500.00-0, WF $1000.00-0.00
In Use: NFCU Visa Sig $17.5k- 0.00k
I still have too MANY CARDS
Starting Score 538
Current Score Oct 30-14 701 fico Eq-- 745 Fico Tu-- 713 Fico Ex
Message 6 of 12
newmomnewme
Valued Contributor

Re: discover it card

You so DONT need DiscoverIt right now. You are in an awesome place! If my GWs don't work, most of my baddies will fall off in 2015...actually I have a most recent collection account from 2011! FCO they are refusing to delete. Goodwill away!!!  Smiley Happy

012019 Fico8/Mortgage Score:
Current Fico9/Fico8/Mortgage Score:
MyGoal Fico8/Mortgage Score:
Take the myFICO Fitness Challenge


Message 7 of 12
AccountingGuy
Valued Member

Re: discover it card

FWIW, I applied with 1 public record and 1 collection and they approved me (not instantly).  YMMV


Starting Score: 584
Current Score: 639
Goal Score: 700+

Care Credit $3k, Cap One $1.25k, Cap One $1k, Credit One $1k, Discover It $800, Walmart $550, Paypal $500, Barclays $500, Valero $300, Amazon $300, Best Buy $300
Message 8 of 12
newmomnewme
Valued Contributor

Re: discover it card

@AccountingGuy, recon? 

012019 Fico8/Mortgage Score:
Current Fico9/Fico8/Mortgage Score:
MyGoal Fico8/Mortgage Score:
Take the myFICO Fitness Challenge


Message 9 of 12
ladyvg270
Regular Contributor

Re: discover it card

I would like to know all of my credit scores and get alerted when it change. How do I go about getting it? 

Message 10 of 12
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