Discover It Chrome

lindel · ‎04-21-2015

My son is in college and would like to apply for the Discover It Chrome for students. His credit score is 620. Which credit report does Discover pulls? What do you think his chances are?

Fico Scores :03/12/2015 Equifax 565, Transunion 585, Experian 563
Current Fico Scores 12/15/2015 EQ 612, TU 645, EX 655
Kay Jewelers 4000/Barclays MC 1300/ Firestone1200/ Cap1 Quicksilver 2300/ NFCU nrewards secured 600/ Macys 600/ Walmart 3500/ Amazon 3500/ Cap 1 Journey 1050/ Kohls 300/ Banana Republic 3500/ Texaco 890/ BP 2000/ Jcrew 250/ Victoria Secrets 250/ Eddie Bauer 250/ Marisota 500/ SimplyBe 500/ Discount Tires 500/ Care Credit 1000/ American Eagle 150/ QVC 2000

gdale6 · ‎04-21-2015

@lindel wrote:
My son is in college and would like to apply for the Discover It Chrome for students. His credit score is 620. Which credit report does Discover pulls? What do you think his chances are?

I would consult the credit pulls and who gave me credit databases for who they are likely to pull. Score is probably good enuf for approval.

Anonymous · ‎04-21-2015

They pulled TU for me here in TX. I had a whopping 471 and was countered with the secured It. 620 seems reasonable for approval. Good luck!

joedtx · ‎04-21-2015

For the student version, obviously there are restrictions and since some who apply don't actually have a reported CS, Discover will require proof of enrollment which isn't bad just part of their process.

Kirmie2010 · ‎04-22-2015

Discover pulled Eq for me. (Oregon)

and I have no clue about his chances, I am sure the underwriting for a college student and a normal card are different. I finally got approved for my DiscoverIT at about 660 fico.

*edit*

the whogavemecredit sites been down over a week for me. Ive read Finance Globe is pretty good? Ive never used or even gone to the site though.

Anonymous · ‎04-22-2015

@lindel wrote:
My son is in college and would like to apply for the Discover It Chrome for students. His credit score is 620. Which credit report does Discover pulls? What do you think his chances are?

Discover is lenient when it comes to the student version of the card. What bureau they pull will depend on your location although the credit pull database is the best to determine what they will pull for your state.

NP27 · ‎05-05-2015

Must be enrolled in a 4 year program to qualify for the student card per CSR

camera_jen · ‎05-05-2015

Discover pulled my EQ (Florida).

Skye12329 · ‎05-05-2015

@np27 I think that might be a tad wrong because my sister is still in high school and got approved for a discover it student's card. She did put down a 2 year college for the school list since she also attends that 2 year college due to their PSEO program.

BK7 - 2/21
Cap1 QS - 2k (4/21) - Closed
Mission Lane - 4k (11/21) - Closed
Venmo - 900 (11/21) - Closed
SavorOne - 2700 (12/21)
VentureOne - 2000 (7/22) - Closed
CareCredit - 12000 (6/23)
Sam's Club - 2500 (7/23)
Venture - 5500 (8/24)
HELOC - 33000 (7/23)

NP27 · ‎05-06-2015

@Skye12329 wrote:
@NP27 I think that might be a tad wrong because my sister is still in high school and got approved for a discover it student's card. She did put down a 2 year college for the school list since she also attends that 2 year college due to their PSEO program.

hmmm. The CSR told me that yesterday. He said in order to qualify for the student card they must be enrolled into a 4 year college. When did your sister get the student card?

Do Discover reps know what they are talking about?