A Quest for a Dscover it Credit Limit Increase

[credit_endurance]

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@AverageJoesCredit wrote:
Hi Brutal, sl is $2500, Fico8 at approval 695 TU, hit 702 by December, chargeoff popped up in Dec dropped score to 630. Overall uti 6% , 18 reporting positive accounts plus 1 personal loan ,over all accounts , probably have spent just over the sl in 1st 3 months , current balance at 0, $86 pending charges. I think my Ex is 707, no sign of chargeoff as of last week, Eq, no idea as is frozen.

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Hey that's not a bad profile at all. I was sporting a judgment and tax lien on all 3 reports when I applied last spring. Any idea which bureau/s they pull for approval? I just can't seem to remember 

[AverageJoesCredit]

Yup hear ya Jolt

Dragon tears, figured as much but i still got my Disco so im happy

[Loquat]

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@credit_endurance wrote:

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@AverageJoesCredit wrote:
Hi Brutal, sl is $2500, Fico8 at approval 695 TU, hit 702 by December, chargeoff popped up in Dec dropped score to 630. Overall uti 6% , 18 reporting positive accounts plus 1 personal loan ,over all accounts , probably have spent just over the sl in 1st 3 months , current balance at 0, $86 pending charges. I think my Ex is 707, no sign of chargeoff as of last week, Eq, no idea as is frozen.

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Hey that's not a bad profile at all. I was sporting a judgment and tax lien on all 3 reports when I applied last spring. Any idea which bureau/s they pull for approval? I just can't seem to remember 

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Just to add...my BK13 is still on all of my reports and will be there for another 15 months. 

[geekmama]

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@credit_endurance wrote:

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@AverageJoesCredit wrote:
Hi Brutal, sl is $2500, Fico8 at approval 695 TU, hit 702 by December, chargeoff popped up in Dec dropped score to 630. Overall uti 6% , 18 reporting positive accounts plus 1 personal loan ,over all accounts , probably have spent just over the sl in 1st 3 months , current balance at 0, $86 pending charges. I think my Ex is 707, no sign of chargeoff as of last week, Eq, no idea as is frozen.

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Hey that's not a bad profile at all. I was sporting a judgment and tax lien on all 3 reports when I applied last spring. Any idea which bureau/s they pull for approval? I just can't seem to remember 

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They pulled Experian for me.

[Anonymous]

Oh man AJC that sucks. Discover is such a weird beast of a company. Some days it seems like they love me, they really love me, and other's they obviously find me the red headed step child. It'll happen for you one day. I say try again in a week, maybe you'll get some good news!

[Anonymous]

Ahhh bummer AJC! You know I'm always rooting for you!

Did you get approved before the chargeoff showed up? I'm thinking maybe they're concerned now that your profile has changed?

[AverageJoesCredit]

Pulled Tu, yeah, got approved BEFORE chargeoff. Silly chargeoff, trix are for kids

Thanks Smc, thanks Nox!!

[Aduke1122]

Hang in there AJC you will get it !! Sometimes it just takes more than than we anticipated 😊

[AverageJoesCredit]

Thanks Aduke! If im going for a tree might as well make it a whole one, probably hit it next week just to be sure im on the kiddie train lol Then its off to work my magic with the chargroff haha

[Aduke1122]

😁😁😂 your so funny