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Discover Secured

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memee1978
New Contributor

Re: Discover Secured

I haven't called back since last month. But yeah I think it's the computer that's making the decision.
hr>Starting Score: 623eq
Current Score 660TU
Goal Score:730> 660EX

Take the FICO Fitness Challenge
Message 61 of 76
Anonymous
Not applicable

Re: Discover Secured

I'm not even calling anymore just gonna wait it out for now
Message 62 of 76
memee1978
New Contributor

Re: Discover Secured

I so understand . I wish there was more information from Discover and other card holders to explain what their scores were when they got approved .Was it on or before the statement date.Did a soft inquiry show up on their credit report etc?
hr>Starting Score: 623eq
Current Score 660TU
Goal Score:730> 660EX

Take the FICO Fitness Challenge
Message 63 of 76
LadyVee
Regular Contributor

Re: Discover Secured

Well my score is 655 and I have no charge offs but I do have 3 unpaid collections and 1 paid legal item on my reports.

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
Message 64 of 76
memee1978
New Contributor

Re: Discover Secured

Did it unsecure on your statement day or before? My next statement date is on the 4th. I hope it does it this time.
hr>Starting Score: 623eq
Current Score 660TU
Goal Score:730> 660EX

Take the FICO Fitness Challenge
Message 65 of 76
LadyVee
Regular Contributor

Re: Discover Secured

I believe it unsecured a day or two after my statement cut. My statement date was the 18th but looking at my statement it was still secured. I received the email on the 22nd though.

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
Message 66 of 76
Anonymous
Not applicable

Re: Discover Secured

I applied for one few days ago and they took the deposit yesterday so I should be getting it soon. I hope it will graduate at 12 months...not 13,14 or 24 lol can I ask for a different color to be sent out?
Message 67 of 76
Vegas4Play
Valued Contributor

Re: Discover Secured

Outside of NEVER graduating...what is the longest time in months someone has seen it take for a card to graduate?

Fico 8's TU 756/ EQ 754/ EX 743- 8/2020// AAoA 5.7 years // Lines August 2020 = 619k Personal - Business 61k // Inquiries 6 TU - 0 Exp - 0 Eq.
Message 68 of 76
Anonymous
Not applicable

Re: Discover Secured

LadyVee on here took her almost 2 years I believe.
Message 69 of 76
LadyVee
Regular Contributor

Re: Discover Secured


@Anonymous wrote:
LadyVee on here took her almost 2 years I believe.
You are absolutely right. It took exactly 2 years or should I say 24 months lol

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
Message 70 of 76
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