Can I get a Discover card?

[Anonymous]

I do not want a secured Discover and I don't want a student card. I want an unsecured regular Discover card. From what I've read they pull EQ. Mine is 667. Will they pull another CR? Also I have BK that falls off on its 10th year in 7 months, one 5 year old unpaid collection that the creditor will not agree to a PFD, and one 17 month old late pay that GW has gotten me nowhere. Given these circustances, can I get a Discover card?

[Anonymous]

What existing trade lines do you have?

[Anonymous]

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@Anonymous wrote:

What existing trade lines do you have?

6 revolving 2 installment 1 auto 1 LOC  

[Anonymous]

What issuers? What are the credit lines? How old are the accounts? What's your current util percentage? Your scores are right on the cusp, so the content of your file will be the determining factor.

[Anonymous]

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@Anonymous wrote:

What issuers? What are the credit lines? How old are the accounts? What's your current util percentage? Your scores are right on the cusp, so the content of your file will be the determining factor.

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The usual suspects --CP1,Barclays,CU, nothing over $1000 and none over a 1 1/2 years. Until is below 15%.

Sounds like I'm not quite ready?

[Anonymous]

Yeah, I think I'd let things cook for another six months or so. Also I'd make sure all the cards but one are showing a zero balance, with about 5% on the one.

[Anonymous]

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@Anonymous wrote:

Yeah, I think I'd let things cook for another six months or so. Also I'd make sure all the cards but one are showing a zero balance, with about 5% on the one.

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Cool.Thanks.

[Anonymous]

I got approved on sunday. I have 1 collection & 2 30 day lates from 5 months ago. My fico score is lower than urs. I think u could probably get it. Idk about the bakruptcy tho. 

[Anonymous]

I got approved on sunday. I have 1 collection & 2 30 day lates from 5 months ago. My fico score is lower than urs. I think u could probably get it. Idk about the bankruptcy tho. 

[Anonymous]

For reference, OP..

I was approved unsecured, not student card for $1,800 CL in September with a 637 EQ FICO.

Experience with higher limits for several years and record low utilization might have pushed me over the top.