New Contributor
movinup1
Posts: 52
Registered: ‎02-22-2012
Is ScoreWatch Working?

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
Current Score: 660
Goal Score: 720


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