Discover IT Graduation

CreditRebuilder2020 · ‎10-07-2018

Just got the email this morning. Have had this card for 14 months and have been slowly building up my credit. Started in the 530-540 range when they approved me for a $200 Secured Card over a year ago. My TU score is still on the low side at 605, just can't get it up there for some reason. But my latest EXP FICO is a 654 and my Equifax is 635. Never missed a payment, did keep a few balances here and there. But nothing major. I also acquired a number of cards along the way. This was my first real major secured card that I got. I had an Open Sky before this, then I got approved for my Discover.

So interesting note, I got the email this morning and of course I'm going nuts, I go to my app and notice there was no CLI. And I went for one (which was kinda cool for the first time because if you hit that button it just blocked you previously b/c it was secured), but I got denied! I think I know why. Had a few recent inquiries and just opened up a BLAZE MC with a $500 CL.

I'm pretty much though looking into closing out my subprimes very soon. I still have a Capital One Platinum Secured that got a CLI to $500, a QS1 at $300 with a $200 CLI coming next month with their baby steps program. And I'm running my life right now through my AMEX Green.

Cheers! Another baby step in the process!

X1 VISA SIG $15,500/ AMEX Gold / Petal 1 $3600 / Wells Fargo Active Cash VISA $3K / VENMO Visa $900 / Verizon Visa $2K / Apple Card $1500 SL / Wyndham Rewards Earner Visa $500 / WALGREENS Store $1K / Amazon Store $5000 SL/ Discover IT Chrome $2500K / BP Prime Rewards VISA $4350 / PayPal MC $3500 / BOA BankAmericard $2K / BOA Cash Rewards $1K / Cap One Savor One $1200 / Cap One QS1 $950 / Blaze MC $2250 / Credit One $850 / Credit One AMEX $1200 / OpenSky $600 / AvantCard $1000 / Discover IT Cash Back (Graduated) $400 / eBay MC $750
FEB '22 EX: 698 EQ: 700 TU: 713 | UTL: 23% | Total Credit Limit: $54000
Goal Score: 675 for all FICOS (ACHIEVED NOVEMBER 2021) | NEW GOAL SCORE: 725 for ALL FICOs

Anonymous · ‎10-07-2018

You're making strides, fellow re-builder. I like it.

Cred4All · ‎10-07-2018

Good job and congrats .

Anonymous · ‎10-07-2018

Congrats!

19eighty5 · ‎10-07-2018

Congratulations on your graduation!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

FireMedic1 · ‎10-07-2018

Congrats! Welcome to the unsecured family!

BK Free Aug25

MartyWrite75 · ‎10-07-2018

Congratulations on you graduating to an unsecured card!

June 2025: Experian 772; Equifax 788; Transunion 781

Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $7,500 (Sock drawer) || Discover It: $17,400 || Cap One Savor One: $600 (Sock drawer) || AMEX BCP: $10,000 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $9,500 || Citi Custom Cash: $15,500 || Verizon VS Visa: $20,000 || Amex Hilton Honors: $12,000 || Amazon (Chase) Prime Rewards (VS): $9,500 || Citi Double Cash: $6,900

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 6/2026(ideally)
Total Utilization: 11%
Inquiries: Exp: (2) Trans: (1) Equif: (1)