topic Re: Lowest FICO Score for Discover Approval in Credit Cards

Lowest FICO Score for Discover Approval

Repairman — Sat, 25 Apr 2015 22:36:31 GMT

I'm curious as to the lowest known FICO scores out there that got approved for a Discover It card. I'm sitting in the high 600's with some late payment history from 10 months ago, and wondering whether I should pull the trigger on a Discover application.

Re: Lowest FICO Score for Discover Approval

Skye12329 — Sat, 25 Apr 2015 23:19:47 GMT

Discover in my opinion is an odd ball. I applied for the student card over 2 years ago with scores in the 700's and got declined due to student loans.

I apply almost last year with a 684 Equifax at the time and they approved me for a starting line of 4000, i didnt have any baddies though. So that might be an issue.

Re: Lowest FICO Score for Discover Approval

Anonymous — Sat, 25 Apr 2015 23:27:34 GMT

Flip a coin on Discover. They're a very funny lender and definitely care more about the actual history than the score itself.

If your scores are lower than around 680 or so, be prepared for a possible counter offer for the joint card or the secured card. However, with blemishes it's an absolute crap shoot as to whether they decide to take a chance with you or not.

Re: Lowest FICO Score for Discover Approval

Anonymous — Sat, 25 Apr 2015 23:33:24 GMT

I am quite convinced Discover flips a coin for approval and spins a roulette wheel for CL. That's based on my reading here and my own app experience with them . I applied a week ago, EQ score was 676, Have some lates also, approved instantly online. Received my card yesterday, CL = 10.5k... almost 3x limit of my other cards. Not complaining. I really only applied because I needed a third CC and they offer free monthly TU FICO scores. Seems like a classy card with the fancy packaging. I say go for it.

Re: Lowest FICO Score for Discover Approval

Anonymous — Sat, 25 Apr 2015 23:31:16 GMT

I applied for myself then my spouse and got decline.
After reading about their cards on here, I think AMX Blue cash is still among the best.

Re: Lowest FICO Score for Discover Approval

Anonymous — Sat, 25 Apr 2015 23:34:33 GMT

Discover has been good to me lately. They have a pre qualifier. Go try it.

Re: Lowest FICO Score for Discover Approval

CreditCuriosity — Sat, 25 Apr 2015 23:36:23 GMT

@Repairman wrote:
I'm curious as to the lowest known FICO scores out there that got approved for a Discover It card. I'm sitting in the high 600's with some late payment history from 10 months ago, and wondering whether I should pull the trigger on a Discover application.

630's for some people for whatever reason

Re: Lowest FICO Score for Discover Approval

Repairman — Sat, 25 Apr 2015 23:52:29 GMT

Interesting. How many lates do you have? What types of lates? And how recent are they? I have 2 or 3 lates from 10 months ago.

Re: Lowest FICO Score for Discover Approval

ojefferyo — Sun, 26 Apr 2015 00:01:46 GMT

@Anonymous wrote:
Discover has been good to me lately. They have a pre qualifier. Go try it.

You'll have better luck finding a pot of gold at the end of a rainbow.

Re: Lowest FICO Score for Discover Approval

Anonymous — Sun, 26 Apr 2015 00:17:04 GMT

@Anonymous wrote:
Discover has been good to me lately. They have a pre qualifier. Go try it.

Mickey Mouse and Donald Duck have no problem getting approved using it.

Re: Lowest FICO Score for Discover Approval

Jpmack29 — Sun, 26 Apr 2015 00:37:15 GMT

I gave up on discover. I have a clean record, minor blemish a few years ago set to fall off soon. Average credit scores that have gotten me cards. Applied twice with discover- once with a online prequalify and another with a mailed prequalify. Denied both times. Recon'd a lot with no resolve. Only thing they said was wrong was let my accounts age, I guess they didn't like my file. My Aaoa is just over two years. 1-10% utilization ect. I gave up, other better cards out there. Amex is my next goal gardening until then. Good luck tho

Re: Lowest FICO Score for Discover Approval

taxi818 — Sun, 26 Apr 2015 00:44:28 GMT

@Anonymous wrote:
Discover has been good to me lately. They have a pre qualifier. Go try it.

Actually they don't have a pre qualifier. it is completly useless. as mickey mouse will qualify. but they discover do like thin files and if not too many baddies. they will approve you.

Re: Lowest FICO Score for Discover Approval

Anonymous — Sun, 26 Apr 2015 01:04:33 GMT

@Repairman wrote:
Interesting. How many lates do you have? What types of lates? And how recent are they? I have 2 or 3 lates from 10 months ago.

I have 120+ day lates in two SL accounts in 2009. Also, 60/90 in june and july 2012.

There was a thread froma guy a week ago who had mid upper 700's and got $500 CL. spin the wheel I guess.

Re: Lowest FICO Score for Discover Approval

Anonymous — Sun, 26 Apr 2015 01:12:53 GMT

@CreditCuriousity wrote:
@Repairman wrote:
I'm curious as to the lowest known FICO scores out there that got approved for a Discover It card. I'm sitting in the high 600's with some late payment history from 10 months ago, and wondering whether I should pull the trigger on a Discover application.
630's for some people for whatever reason

Guilty.

Re: Lowest FICO Score for Discover Approval

Anonymous — Sun, 26 Apr 2015 03:35:59 GMT

I got mines with a 630 in November they pulled eq and ex. CL of 1500

3 months later my score went up to 740. Made me do a hard pull for only 500 dollar cli.

i used the luv button today and got it to 5000 via soft pull with a 760 tu score.

Re: Lowest FICO Score for Discover Approval

Anonymous — Sun, 26 Apr 2015 03:53:47 GMT

How'd you swing that Nixon?

Re: Lowest FICO Score for Discover Approval

Anonymous — Sun, 26 Apr 2015 04:45:25 GMT

I got my Discover sitting on about 670, but at the start it was only $750.

Re: Lowest FICO Score for Discover Approval

Anonymous — Sun, 26 Apr 2015 04:52:32 GMT

They are actually recommended for people with recent BK. But honestly they denied the hell out of me no matter the profile (haven't tried recently don't need them now) YMMV for real with them as others have said...

Hope they hit the right side of his dartboard when you apply, good luck!

Re: Lowest FICO Score for Discover Approval

onstar — Sun, 26 Apr 2015 05:08:52 GMT

@Anonymous wrote:
@CreditCuriousity wrote:
@Repairman wrote:
I'm curious as to the lowest known FICO scores out there that got approved for a Discover It card. I'm sitting in the high 600's with some late payment history from 10 months ago, and wondering whether I should pull the trigger on a Discover application.
630's for some people for whatever reason
Guilty.

Ditto. I had low 600s when I got my Discover in 2011. $1500 CL. At the time, I couldn't get any card with no AF.

Re: Lowest FICO Score for Discover Approval

Anonymous — Sun, 26 Apr 2015 05:24:24 GMT

Got mine as a prescreened offer my mail. My file was started in June after being blank for years with an au card from Cap one with a $750 limit and a Wal mart au card with a $600 limit. Both were opened in June. In Sept a newly opened FBNO card with a $1300 limit with me as an au was put on my file. In Dec got the Discover approved with a $500 limit, the first card in my name on my piggybacked file. After clawing and digging got a $300 increase last week to $800.

My paperwork when I got the card said my EX score was 727. Of course I had a thin file and probably 20% utilization on it then which would account for the high score.