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Disco likes me again

chalupaman
Super Contributor

Re: Disco likes me again

You're so lucky! I tried them again and zip. Even with it being suggested to me in Experian FICO tracking. I'll give it some more time since I had also burned them before BK long ago. Congrats anyhow! 

Main cards: Penfed Power Cash Rewards - $10k, Capital One Platinum - $3k, NFCU cashRewards - $500

Other cards I use atm: Firestone CFNA - $2.4k, Best Buy - $2k, CareCredit - $1.5k, Mercury MC - $1.5k, Amex Delta Gold (AU) - $1k, Amazon Store Card - $600, Ollo MC - $600, Mission Lane Visa - $500

Other TLs: Kay Jewelers - $4.5k, Appliances Connection - $3.8k, Jared - $3.5k, Wayfair Fortiva - $2k, Williams Sonoma - $600, NY & Company - $500, Macy’s - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: EX - 668, EQ - 681, TU - 673
Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516
Total TLs: $41k
Total Utilization: 4%

It is possible to get your credit back into shape. Just be patient, let accounts age when needed and apply for what you need
Message 21 of 24
1GaDawg85
Valued Contributor

Re: Disco likes me again

even after rebuilding the relationship with them after BK and a decent approval during the summer of 2019, they refuse to give me a CLI. 



FICO 5 ,4, 2 - 4/2021

FICO 8 - 4/2021

FICO 9 - 4/2021


Message 22 of 24
joltdude
Community Leader
Senior Contributor

Re: Disco likes me again

Discover does remember, but I have to bring up this thread when i hear stuff like this... You can be bucketed ...

Discover, just like Cap One, uses Asset Based Securities...

For the most part, they arent as hard locked as Cap One IMHO but you can get "stuck"

 

https://ficoforums.myfico.com/t5/General-Credit-Topics/Credit-Card-Asset-Backed-Securities-ABS-and-w...

 

Some folks have been just able to get a second card.. now that thats an option with Discover.... if your scores support it... esp if youve had the card for a few years...

 

(id definitely try the prequal if youd like to try it) 

One caveat, esp currently,  They might ask you for a 4506T if you do app.. but many have had the option of three previous bank statements due to the current pandemic.. they used to not accept anything but a 4506... 

Also think they might have moved the goalpost a bit on borderline approvals... 

-J

 

Message 23 of 24
ComeBackLady
Established Contributor

Re: Disco likes me again


@AzCreditGuy wrote:

Well after burning Disco and starting over with them and a $2,750 line back in June 2019, I finally got a CLI of $1,500. To put me at $7,500 CL. I  also paid down a $980 trip that I took and didnt want the balance showing. Hoping to break the $10k mark within the next few months with Disco. Seems that the credit spree I took a year and half ago, B of A and US Bank are given out $6k CLI vs Disco, Wells are only given out $1,500 and Cap1 is being greedy for the SP CLI....


🥳🥳🥳Congratulations on your CLI with Disco!  🕺🏽 

Starting Score: June 2020: 502
Current Score: EX: APR 11 - 682, APR 19 – Fico 9/EQ: APR 2021 – 668, MAY 2021 – 726, APR 26 - TU: 673
May 15 - TU: 697

Goal Score: Good: 670 by May ✅. By JUN 675✅,
Come on 680 across all 3, 690’s by JUN. Over 700 in 2021, ideally 725plus, 805 LT
Inquiries: 30/0, 60/1, 90/6, 12/13
TCL: JUN 2020 $700, APR 2021 $13,051
AAoA 1 YR 6 Months AoYA 7 weeks
2021 Goal Cards: NAFs and $5K CL’s


Bank and Credit Union Memberships:

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Message 24 of 24
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