Discover IT card approval a mistake??

[Anonymous]

I started applying for cards yesterday to try and begin expanding my credit profile. I do not have a good credit score it was 619 on both Transunion and Equifax. I applied and was approved for a Chase Freedom Unlimited $1500 limit. I then applied for a Discover IT card and was approved at $7500, which was shocking to me. I was a previous authorized user on a family member's Discover card but that account has been closed. That's the only history I have with Discover. So I'm wondering if perhaps it was a mistake and they will catch it later and lower that limit or if I just "lucked out" somehow. Thoughts and advice appreciated. 

[Anonymous]

Good Morning and welcome. May I ask where you are getting your scores from. Are they FICO scores or Credit Karma. If they are CK, it's a possibility that your FICO scores (the score that Discover and Chase use) could be higher.

[Anonymous]

I'm just going by Credit Karma, I do not know what my FICO score is. Hoping maybe they include a copy of it when they send the card. 

[Anonymous]

And just to clarify I was approved for $6500, not $7500 as I originally posted. Not that it really matters much but just correcting myself. 

[Anonymous]

I highly doubt the approval was a mistake. Your Fico is probably better than you think-at least on the bureau Disco pulls. I have had my CK scores +/- 100 points before.

Best bet to start off is to get all 3 true fico scores. Go to creditchecktotal.com and buy a $1 trial. (Just cancel within 7 days) and get your 3 scores from TU/EX/EQ.
Or you could do what a lot of us do and buy a myFICO subscription which will tell you all 3 and then notify you of any changes, but it is $30 a month.

Anyway, be happy-you have 2 great cards. Congrats.

Btw-your Disco card will come with a free TU fico monthly.... and Discover also has a site called credit score card (I think it is creditscorecard.com) and that will give you your EX FICO score monthly as well. Then you only need EQ.

[CreditInspired]

Congrats JayBugg and welcome.

And if you just want to know your Discover score, go to
https://www.discover.com/free-credit-score/. It's free!

[AverageJoesCredit]

That is an amazing sl. Discover does not make mistakes! Such blasphemy. One thing i do think though when they start you out high they obviously like you and you probably be a candidate to get your cl up high rather quickly. Use it wisely and remember to hit them up every couple months for sp luv you will be happy hopefully

[Anonymous]

Thanks for the advice and thoughts everyone I appreciate it. I checked my FICO through Discover and it was 728. I'm learning the differences between credit score reports and the FICO.

[Anonymous]

---

@Anonymous wrote:
Thanks for the advice and thoughts everyone I appreciate it. I checked my FICO through Discover and it was 728. I'm learning the differences between credit score reports and the FICO.

---

There are different scoring models - CreditKarma uses vantage scores, which we typically refer to as 'FAKO's. They are real credit scores, just not scores banks typically use.

[Anonymous]

Congrats on your Disco approval. Nice SL