Re: Discover Secured

LadyVee · ‎04-09-2016

@CountryLivin wrote:
My card just graduated and I had a $200 deposit. I hit the CLI button and was upped to $700. My scores were in the mid 600's.

Congrats, that's awesome!

Starting Score: 485 (CK TU)
Current Score: 698 (TU FICO); 685 (EX FICO) 687 (EQ FICO)
Goal Scores: 750 (TU FICO); 750 (EX FICO); 750 (EQ FICO)

Current Cards:
AMEX Gold: NPSL, AMEX BCE: 1000, BARCLAY APPLE: 2000, CITI DC: 2250, CHASE CSP: 7400, CAP1 SAVOR: 12000, CAP1 VENTURE: 10000, CAP1 QS: 6500, CAP1 QS1: 3300,
DISC IT: 1400, MERRICK: 2200, PAYPAL CREDIT: 3000,
US BANK CASH+: 5000, WALMART: 5000, TARGET MC: 4000, ANN TAYLOR: 6000, VS: 6000, EXPRESS: 5000, NY&CO: 4000, SMILE GEN: 1500

Anonymous · ‎04-09-2016

That is awesome! I am hoping that my discover secured works that well for me!

memee1978 · ‎06-04-2016

Congrats!!! What were your scores when you graduated?

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Starting Score: 623eq
Current Score 660TU
Goal Score:730> 660EX

Take the FICO Fitness Challenge

RonM21 · ‎06-05-2016

Congrats, and nice to see.

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

memee1978 · ‎06-05-2016

Has anyone statement date changed once their card graduated?

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Starting Score: 623eq
Current Score 660TU
Goal Score:730> 660EX

Take the FICO Fitness Challenge

memee1978 · ‎06-05-2016

Update!!! I give up.It still has not unsecured.I have made over 8,000 worth of payments on a 1200 card.My debt to credit ratio is 17 percent.All my other cards are in good standing.I will focus on my other cards and leave this one at a 0 balance.

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Starting Score: 623eq
Current Score 660TU
Goal Score:730> 660EX

Take the FICO Fitness Challenge

LadyVee · ‎06-08-2016

@memee1978 wrote:
Update!!! I give up.It still has not unsecured.I have made over 8,000 worth of payments on a 1200 card.My debt to credit ratio is 17 percent.All my other cards are in good standing.I will focus on my other cards and leave this one at a 0 balance.

I completely understand how you are feeling because I feel the same way. This month makes 2 years that I have a had this card in good standing and it still hasn't unsecured yet. I don't really use it anymore. I'm thinking about closing it actually.

Starting Score: 485 (CK TU)
Current Score: 698 (TU FICO); 685 (EX FICO) 687 (EQ FICO)
Goal Scores: 750 (TU FICO); 750 (EX FICO); 750 (EQ FICO)

Current Cards:
AMEX Gold: NPSL, AMEX BCE: 1000, BARCLAY APPLE: 2000, CITI DC: 2250, CHASE CSP: 7400, CAP1 SAVOR: 12000, CAP1 VENTURE: 10000, CAP1 QS: 6500, CAP1 QS1: 3300,
DISC IT: 1400, MERRICK: 2200, PAYPAL CREDIT: 3000,
US BANK CASH+: 5000, WALMART: 5000, TARGET MC: 4000, ANN TAYLOR: 6000, VS: 6000, EXPRESS: 5000, NY&CO: 4000, SMILE GEN: 1500

memee1978 · ‎06-09-2016

I'm going to keep mine open because of the payment history and because my scores has gone up with this card and my other cards however I'm not calling in about the card anymore.I think it's an automatic review with the machines .I don't think they manually review it .

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Starting Score: 623eq
Current Score 660TU
Goal Score:730> 660EX

Take the FICO Fitness Challenge

LadyVee · ‎06-23-2016

Update all ... After 24 months my discover has finally unsecured!

Starting Score: 485 (CK TU)
Current Score: 698 (TU FICO); 685 (EX FICO) 687 (EQ FICO)
Goal Scores: 750 (TU FICO); 750 (EX FICO); 750 (EQ FICO)

Current Cards:
AMEX Gold: NPSL, AMEX BCE: 1000, BARCLAY APPLE: 2000, CITI DC: 2250, CHASE CSP: 7400, CAP1 SAVOR: 12000, CAP1 VENTURE: 10000, CAP1 QS: 6500, CAP1 QS1: 3300,
DISC IT: 1400, MERRICK: 2200, PAYPAL CREDIT: 3000,
US BANK CASH+: 5000, WALMART: 5000, TARGET MC: 4000, ANN TAYLOR: 6000, VS: 6000, EXPRESS: 5000, NY&CO: 4000, SMILE GEN: 1500

memee1978 · ‎06-23-2016

Congrats!!! What are all your score now?

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Starting Score: 623eq
Current Score 660TU
Goal Score:730> 660EX

Take the FICO Fitness Challenge

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