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I'm contemplating applying for Discover IT. Wanted to gage success with approximately 10 inquireies on EQ.
Hi - my EQ had around 8 inquiries on it when I applied this last July (two years and four months post discharge). I was not approved instantly - had to call in it said to "verify" some info. Lady didn't ask once about my BK - just had me ask some identity related questions (prob since we previously moved and my address had not reported yet) and was approved at $5500.
The score they said at the time of application was 660 - but yet when I got the card, it says 708, so, IDK... Online now it says 713...
I just did this for another Discover thread last week and am copying and pasting the datapoints here:
BK discharged: 11/2015
Credit One approved 05/2016 $400 SL
Capital One approved 06/2016 $3000 SL
Apped for Discover It: 07/08/2016
Scores at time of app: EQ 659, TU 603, EX 668
Inquiries EQ 4, TU 2, EX 6.
Discover pulled EQ and EX on me.
Approved for a $1000 SL.
Good luck! I love my Discover card.
Thanks for all the feedback regarding Discover. Applied for the Discover IT this morning APPROVED 2K! Gardening for the next 6-12 months. 13 months post BK7.
@KJT wrote:Thanks for all the feedback regarding Discover. Applied for the Discover IT this morning APPROVED 2K! Gardening for the next 6-12 months. 13 months post BK7.
Congratulations on the approval! I'm glad it worked out.
Nice work KJT and congrats on the new Discover it card!!!
Chapter 7: Discharged November 2015
11/15 Fico 8: EQ-585, TU-550, EX- 551
07/16 Fico 8: EQ-703, TU-695, EX- 660
09/16 Post App Spree Fico 8: EQ-675, TU-675, EX-663
Cap One Platinum $2K>$4K, Cap One Quicksilver $3K, Discover $1,600, SPGVisa $4500, Red Roof Inn Siggy Visa $5K, Good Sam/Camping World Visa $1800, Overstock $7K, Lowe's $6K, NFCU Cash Rewards Visa $4600, NFCU CLOC $15K, PenFed Promise Visa $10,500, Evine $1K, CreditOne Visa $600|Total CL: $153K
Garden until September 2018 (I'll be in the pumpkin patch)!
@KJT wrote:Thanks for all the feedback regarding Discover. Applied for the Discover IT this morning APPROVED 2K! Gardening for the next 6-12 months. 13 months post BK7.
Boooooom! Congrats on the nice SL as well