Offers in the mail.

[Keeyz]

Thank you everyone for your replies. Started of this journey a few months ago. High 500s on all three. Now range 710-725. Hopefully I get a good result. Thanks once again. I’ll post the outcome on Monday when I apply.

[E2U1L9A]

I recently began receiving Discover "You might be Pre Approved" letters. I ignored them for awhile, and they started coming faster and more frequently. It was funny because it seemed like they were sweating me like a dude on a fourth date. The letters said to go to Discover.com/noharm because they were advertising NO HARM TO YOUR CREDIT SCORE TO SEE IF YOU'RE PRE APPROVED. 

So I finally gave in today, and voila - a $9500 approval.

Try it - the worse they can say is NO and if they do who cares??? 

Remember to go to:  Discover.com/noharm

[sarge12]

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@Remedios wrote:

Okay, this is no fun

We need someone to disagree 

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Glad to help Remedios, I disagree, and if you disagree with my disagreement I will disagree with your disagreeing with my disagreement, so I have you covered. Now could someone please remind me what I am disagreeing about?

[Keeyz]

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@E2U1L9A wrote:

I recently began receiving Discover "You might be Pre Approved" letters. I ignored them for awhile, and they started coming faster and more frequently. It was funny because it seemed like they were sweating me like a dude on a fourth date. The letters said to go to Discover.com/noharm because they were advertising NO HARM TO YOUR CREDIT SCORE TO SEE IF YOU'RE PRE APPROVED. 

So I finally gave in today, and voila - a $9500 approval.

Try it - the worse they can say is NO and if they do who cares??? 

Remember to go to:  Discover.com/noharm

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You think you can share your scores before you applied?

[CreditInspired]

Sarge12

I permanently opted out of getting unsolicited CC offers. What a joy it is now to open my mail box 😉😆

[E2U1L9A]

They pulled from Experian which dropped my score one point from 709 to 708. Prior to applying I am carrying a 30% util which frankly makes me cringe because I strive to be below 9%, but life got in the way. This will lower my util to about 25%.

[Keeyz]

Just applied right now with the invitation number they sent on the last letter but at the end got a will let you know in a few days. Is it because it's sunday night? or is it normal to wait?  I thought I was gonna get a instant response.

[E2U1L9A]

Waiting is annoying, but don't let it bother you. When I worked at Td  I saw people with high scores sometimes had to wait because they put something unusual on their application. One lady had just paid off her mortgage, 2 days prior, so when she answered the question about how much she pays for housing with a "zero", her app got flagged. She had to wait for a human underwriter to look at it. I  know for sure that she was approved a few days later because we were required to keep track of how many cc's we sold. We only got credit for the sale if it was approved. Hang in there!

[Keeyz]

Hey y'all,

Wanted to update. Just got notification and was approved for $7,500.  Very happy to hear.  Can't wait to use it and hopefully in 3 months get an increase on that line. 

[E2U1L9A]

AWESOME glad to hear that! Cheers