topic Re: DIscover IT in Credit Cards

DIscover IT

Cheryla18 — Wed, 25 Jun 2014 22:54:32 GMT

What score range is needed for the Discover IT and who do they pull?

TIA

Re: DIscover IT

Closingracer99 — Wed, 25 Jun 2014 23:00:04 GMT

@Cheryla18 wrote:
What score range is needed for the Discover IT and who do they pull?

TIA

IDK was my first card ... but I believe they pulled my experian when i applied

Re: DIscover IT

Blodreina — Wed, 25 Jun 2014 23:13:11 GMT

Google 'credit pulls database'

Who Gave Me Credit

mod edit- link to website

Re: DIscover IT

bigblue7722 — Wed, 25 Jun 2014 23:10:32 GMT

I can't remember who they pulled for me I want to say eq. My score was 670 plus at the time. Discover is weird with approvals. They offer joint cards to people. They offer secured cards. It's kinda like a crap shoot. I couldn't tell you why someone would get offered a secured card or the joint.

Re: DIscover IT

B335is — Thu, 26 Jun 2014 00:12:20 GMT

@bigblue7722 wrote:
I can't remember who they pulled for me I want to say eq. My score was 670 plus at the time. Discover is weird with approvals. They offer joint cards to people. They offer secured cards. It's kinda like a crap shoot. I couldn't tell you why someone would get offered a secured card or the joint.

Discover really is weird. From what I can figure out:

1) They can be good with aged negs if you have no recently opened accts.

2) They will approve with a completely clean CR.

It took me 3 attempts to finally get one (they only approved when EQ was entirely clean and score was mid-700's), but it has been in the drawer for about 4 months now. There's better rewards cards.

Re: DIscover IT

RCFL — Thu, 26 Jun 2014 00:18:41 GMT

When I applied, they pulled Equifax for me and my score was around 680-690. Approved for 3.5k, almost 4 years out of Bk7

Re: DIscover IT

bigblue7722 — Thu, 26 Jun 2014 00:37:02 GMT

@B335is wrote:
@bigblue7722 wrote:
I can't remember who they pulled for me I want to say eq. My score was 670 plus at the time. Discover is weird with approvals. They offer joint cards to people. They offer secured cards. It's kinda like a crap shoot. I couldn't tell you why someone would get offered a secured card or the joint.
Discover really is weird. From what I can figure out:

1) They can be good with aged negs if you have no recently opened accts.
2) They will approve with a completely clean CR.

It took me 3 attempts to finally get one (they only approved when EQ was entirely clean and score was mid-700's), but it has been in the drawer for about 4 months now. There's better rewards cards.

When i was approved i didnt have too many inq on EQ just like 3 or 4. I only had one year of history with credit cards and like a 7 year history with student loans. I also had ten plus 90 day lates on the student loans ranging from like 1 and a half years ago to like 3 years ago or so. I live at home So i pay no rent and own my own car which really helps my DTI a lot. plus I have no CC debt. Idk Discover put a bad taste in my mouth after not giving me the sign up bonus. I applied for the card like a week before they offered the 150 back for 750 spend. Chase on the other hand I got approved like 2 weeks before the 200 deal and they gave it to me no problem. Im sure there would have been a way to get it to work.

Re: DIscover IT

vygotsky — Thu, 26 Jun 2014 01:45:39 GMT

Pulled EX for me. 680EX at the time, no baddies on CR or open CC. If you have no recently opened account and low util you should have no problems getting approved

Re: DIscover IT

Outdoorstech1 — Tue, 01 Jul 2014 16:56:56 GMT

I had gotten a capitol one secured card last July. Making on-time payments since. Few collections and a Public record on my report. I then received a pre approval in the mail this past April for the Discover It card. Applied and was approved. FICO was about a 645 and cs from Experian was a 689. They didn't give me the 0% but I still took it with a $1,800 CL. Hoping they give me a increase at the 6mo mark.

Re: DIscover IT

Anonymous — Tue, 01 Jul 2014 18:20:37 GMT

I applied back in Dec 2013 with 4 chargeoffs(2 have been removed) EQ used for approval and TU for CLI. BTW i'm in the "Big Apple" NY

Re: DIscover IT

Anonymous — Mon, 14 Jul 2014 22:35:39 GMT

I was approved at 626 recently with $1,500 CL

Re: DIscover IT

Anonymous — Mon, 25 Aug 2014 23:50:27 GMT

pulled EXPERIAN: 742

credit LIMIT $4,500

History: 2 years

Inquires: 9

AAoA: 9 months

ADVICE: keep your debt you currently owe below 10% before applying! below 5% even better!

Re: DIscover IT

Anonymous — Tue, 26 Aug 2014 03:19:16 GMT

747............ CL.... A whopping 1000. **bleep** lol.

Re: DIscover IT

Skye12329 — Tue, 26 Aug 2014 03:27:13 GMT

Applied in July with a 687 EQ got a 4k limit, about 10 inqs or so.

Re: DIscover IT

Anonymous — Tue, 02 Sep 2014 22:34:17 GMT

I applied and got a limit of $750..... So low! Well, it's high compared to my capital one $300 limit. I'm new to credit and I had none 5 months ago I'm assuming that's why.

Re: DIscover IT

Anonymous — Tue, 02 Sep 2014 22:46:12 GMT

i applied about a month ago they pulled my EQ with a 723 and got approved 5k.

there is a website called creditboard where under the credit pull tab you can see by state what they have pulled. scores and limits approved. due to Myfico guidelines i cant post the link. but google it. !

Good Luck!

Re: DIscover IT

SomeGuyOnTheWeb — Tue, 02 Sep 2014 22:47:35 GMT

They pulled EQ for me. Iirc, was a 699 and approved for $7.5K.

Re: DIscover IT

elim — Tue, 02 Sep 2014 23:03:04 GMT

applied in may. EQ 660, denied.... Tax Lien

Re: DIscover IT

Anonymous — Tue, 02 Sep 2014 23:03:58 GMT

I was approved in July for a CL of $2,500 and they pulled Equifax which was my lowest score at the time with a 676. I had several new accounts and inquiries and my credit age was at 7 years with my overall AAoA at only 5 months. Not sure what all factors into it, but I didn't have any lates, derogs, or negatives of any kind. I did have a lot of new inquiries and new accounts though and those really put a bashing on my AAoA as well as my score for that month. Anyway...GL!

Re: DIscover IT

Anonymous — Tue, 02 Sep 2014 23:36:22 GMT

Just approved and got a 1500cl lol kind of low but whatever.