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New Contributor


I was feeling a little defeated yesterday after being denied a Barclays card due to too many inquires.  (which they did not do a HP)  I think they looked at my old app from Nov 2016.  I have a subcription to myFico and have yet to get a ding of an inquiry.  But anyway what do we do after a defeat?  Hop on myFico for a lil encouragement!

After reading about one of the members being approved for a Dicover card with a BK only 1.6 yrs.and his scores were close to mines.  I got excited and thought maybe I should give it a shot.  And I did and got approved for the Discover IT $2000 limit!  I'm in with DISCO baby (smiles)


FYI:  here is some data on me

BK filed 3/2016...DC 6/2016


the only other CC I have is a Navy Fed. rewards with $1100 limit and a CLOC $5500.  utl approx. 20% for both

I have 4 store CC utl approx 20-30%






hopes this info helps someone.  After Navy Fed May AR soft pull.  I promise I will chill in the Garden!  




Message 1 of 11
New Contributor

Re: Discover IT APPROVED!

sorry I meant EX 658

Message 2 of 11
Senior Contributor

Re: Discover IT APPROVED!

Congrats on getting in with ok with Discover
Message 3 of 11
Mega Contributor

Re: Discover IT APPROVED!

Hey TeeStap, this is an awesome accomplishment. Pretty awesome limit too being only 10 months post bk you are definitely ahead of the game. Keep up the great work and try to work a bit on your utilization as thatll help manage your cards easierSmiley Happy
Message 4 of 11
Valued Contributor

Re: Discover IT APPROVED!

Great work...Congrats!! Keep up the great work...Smiley Wink

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 5 of 11
Established Contributor

Re: Discover IT APPROVED!

Awesome TeeStap congratulations on your nice Discover approval! 😊
Message 6 of 11
Valued Contributor

Re: Discover IT APPROVED!

Congrats on your Disco approval. Not bad SL
State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian
Message 7 of 11
Frequent Contributor

Re: Discover IT APPROVED!

Congrads on the approval.


You have good scores considering a recent BK. 


What was your accounts like that were discharged in bankruptcy? (Charge offs, collections...) Im just courious if there were any CO.  Im looking at Discover IT and have 1 CO.  But if people are getting approved under a year with a BK it could show alot of hope to me.

Starting Score: May 23, 2016 EQ 537 TU 518 EX 548
Recent Scores: May 04 2018 EQ 724 TU 713 EX 722
Goal Score: 720
Current Vantage 3.0: 785
Mortgage Scores August 18 2017: EQ5 684 TU4 692 EX2 690
Message 8 of 11
New Contributor

Re: Discover IT APPROVED!

Hey MrTom, I only had 1 charge off and I did not burn any credit card companies in my bankruptcy. I have a student loan approx. $20,000 left to pay that always got paid before and after Bk so that probably gave me a boost. I make good money and been employed in the government for a while.
Message 9 of 11
Regular Contributor

Re: Discover IT APPROVED!

congrats on your approval! (kinda late)

Message 10 of 11
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