I've been itching to app for a new card, after 6 months of on-time payments & low utilization w/my Cap 1 card, so I apped for a Kohl's card and got approved! Only a $400 limt (womp, womp), but it felt good. So I did a little more research and decided to for Discover (same day). Well, that was denied and the letter they emailed me referenced a EQ FICO score of 628. My ScoreWatch score, from here at MyFico.com is 646. Why the discrepancy? This credit game is so hard to keep on top of. 1 step forward, 2 steps back. Seems like when you got it somewhat figured out, you actually dont!
Thoughts?
Starting Score: 498