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Discover It~*Approved for $6500*~

MimiRoss
Member

Discover It~*Approved for $6500*~

I went on an APP spree and this is 1 of 8 cards I applied for and was approved for all in one day. Will be posting the other 7 later. But creditsesame had me as "VERY GOOD" for this card so tried it and got the 7-10 business days message. I expected that because I had credit fraud alerts on my account. I called the recon# and talked to a specialist. Asked me to verify my identity by asking me some questions from my credit report. They did a single pull from my Transunion report. I have all on time payments, no baddies and this made the 3rd inquiry on my Transunion report. So took about 10 minutes and then approved for the $6,500.

 

used this# 888-676-3695

For a list of recon #'s for all credit cards check here:

http://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066

 

Three days later I got my card in a fancy purple box and put my 1st charge on it this weekend. Was easy to set up online and on the APP. Someone implied that this may not be a true fact so I am providing the pictures here for proof. As they say, "Pictures are worth a thousand words". So hopefully this puts the naysayers to rest and gives someone hope who may be interested in applying for their own Discover It card. Good luck with your financial future!

 

http://www.use.com/JRULP?pop=false

 

Below is my Discover It card terms.

@@@@@@@@@@@@@@@@@@@@@@@@@@@@                                                                                                 

NO ANNUAL FEE * Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically—only for new cardmembers1 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up 1% cash back or more on all other purchases Redeem your rewards for cash in any amount, any time 2 Your cash back never expires Use your cash back instantly at Amazon.com checkout. They also offer a FREE Fico Score!

Starting:Transunion 794 Equifax 764 Experian 741
After Spree:Transunion 762 Equifax 754 Experian 719
Credit: $115,450 from 16 Trade Lines
Util: 12% Goal: 850 Gardening: from 10/06/2016 Until 2018
Message 1 of 33
32 REPLIES 32
cuthatcard
Frequent Contributor

Re: Discover It~*Approved for $6500*~

Congratulations!  Great SL with Disco ! 

 

Did you have a pre-equal with them or cold app ? 

Any data points to share ? 

FICO :November 2016
TU-761 EQ 756. EX - 749
No Baddies
QS1 -$2,000. Care Credit $9,600.00 CHASE Freedom $3,000.00 Discover IT $1,000.00
Inq TU 4 EQ 3 EX 2
Message 2 of 33
MimiRoss
Member

@cuthatcard

Thanks a lot! I did not have a pre qual with them...this was just me doing a cold app since I had reached excellent status on my credit and I only had 2 inquiries with Transunion and none on Equifax or Experion..So I figured I had a pretty good chance of approval and CreditSesame and CreditKarma had also felt the same (But from feedback on here they say you cant always depend on that)...I just got lucky though...so I decided to go on a credit card app spree...and apply for 8 different credit cards and was approved for them all...Discover It happened to be the 1st one of the 8 that I applied at so the process was pretty simple and approval was instant almost after calling in.

Starting:Transunion 794 Equifax 764 Experian 741
After Spree:Transunion 762 Equifax 754 Experian 719
Credit: $115,450 from 16 Trade Lines
Util: 12% Goal: 850 Gardening: from 10/06/2016 Until 2018
Message 3 of 33
Anusara
Senior Contributor

Re: Discover It~*Approved for $6500*~

Congratulations on your approval!!!

Gardening since 10/01/18 Gardenversary 10/01/20 Score: xx/xx/xx EQ xxx TU xxx EXP xxx
Current Score: 781
Goal Score: 800
Take the myFICO Fitness Challenge
Message 4 of 33
MissMoni223
Senior Contributor

Re: Discover It~*Approved for $6500*~

Welcome to the Discover family, CONGRATS!!!

Gardening Until Further Notice
15 Credit Cards (12 Major Banks & 3 Store Cards)
Message 5 of 33
cuthatcard
Frequent Contributor

Re: Discover It~*Approved for $6500*~

Mind posting scores and again, great job !

I'm at 761 on TU, 653-EQ, 717 on EX, 2 new cards, Care Credit at $9,600.00 , QS1 at $2,000.00 and one very old one (Comeity Bank ) at $300.00. Showing at judgement oN EQ not pd, but I've pd it ( 8k) .
No other baddies but really thinking that by EQ not updating the PR to "satisfied " would make Disco reject me at this time !
FICO :November 2016
TU-761 EQ 756. EX - 749
No Baddies
QS1 -$2,000. Care Credit $9,600.00 CHASE Freedom $3,000.00 Discover IT $1,000.00
Inq TU 4 EQ 3 EX 2
Message 6 of 33
MimiRoss
Member

@MissMoni223

Thanks alot, glad to be a part of it!

Starting:Transunion 794 Equifax 764 Experian 741
After Spree:Transunion 762 Equifax 754 Experian 719
Credit: $115,450 from 16 Trade Lines
Util: 12% Goal: 850 Gardening: from 10/06/2016 Until 2018
Message 7 of 33
MimiRoss
Member

@beautifulblaquepearl

Thanks a lot!

Starting:Transunion 794 Equifax 764 Experian 741
After Spree:Transunion 762 Equifax 754 Experian 719
Credit: $115,450 from 16 Trade Lines
Util: 12% Goal: 850 Gardening: from 10/06/2016 Until 2018
Message 8 of 33
MimiRoss
Member

@cuthatcard

Starting:Transunion 794 Equifax 764 Experian 741
After Spree:Transunion 762 Equifax 754 Experian 719

 

Those above scores were the original scores when I started my spree because Discover It card was the 1st one I applied for on my 8 card spree.

Congrats on paying off that judgement (8K) that's a huge accomplishment!!

If I was you I would call that creditor and see if they would consider in good faith taking it off your credit report totally since you did pay it off already, they might.

As far as Equifax I seriously would call them to find out when they plan on updating your credit report. I would do this like every 2-3 days to make sure they are aware of it. Its not an urgent matter for them but it is something that matters to you.

Your scores are so close to where the threshold is I would not take a chance on a hard inquiry though if I was you. I know it's hard to be patient but it will all be worth it in the long run. I would wait until this pan out for you. At the most it will take them 1-1/2 months to update the information and then it will look better for you. At that time I would then call to Discover It so you can explain your situation to them and you might have a much better chance of them overlooking it despite your score since again you did pay them off.

 

Good luck and keep us posted!

Starting:Transunion 794 Equifax 764 Experian 741
After Spree:Transunion 762 Equifax 754 Experian 719
Credit: $115,450 from 16 Trade Lines
Util: 12% Goal: 850 Gardening: from 10/06/2016 Until 2018
Message 9 of 33
grillandwinemaster
Valued Contributor

Re: @cuthatcard

Welcome to the Discover family! Nice sl, congrats!!


Current Scores 3/2016 Equifax 676 Transunion 697 Experian 648 Goal Scores: 720's accross the board. Gardening Goal: 3/2017
Message 10 of 33
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