Discover It Secured - Approved

[Marz2002]

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@Anonymous wrote:
How do you like open sky? How long before you saw an increase in points in your scores?

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It's great, except they take up to 2 weeks to post a MAILED payment!  I am in Texas AND their payment address is in Texas.  As far as I am concerned, the payment posting is so bad that I mail my payment in as soon as the statement is cut. 

I only put a small monthly recurring charge of $9.99 on the card and, of course PIF.  Even that small charge is 3% Util on the card.

I actually opened the account 2 years, 3 months before I seriously started to Rebuild and my starting FICO at the time was 570 - 580 on the 3 CRAs.

It took about 8 months after I started using the card to get my FICO scores into the 660 - 670 range at the CRAs.  I also had an active car loan, as well. At that time, the car loan had 9 30 Day lates reporting and the newest 1 was May 2015.  I think my FICO scores would have been higher if the Late Pays weren't on my CRs.

Anyway, when my FICO scores finally broke thru 700 in April 2018, I decided  to get serious about Rebuilding and started with Discover.

[Anonymous]

Congrats on your approval !!!!!

[Anonymous]

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@Marz2002 wrote:

CONGRATS on the Approval and WELCOME to the FORUMS and the Disco Family!!!

I seriously started my Rebuild project in April 2018 with a $300 OpenSky credit card that I had been using for over 2 years.

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Triple Thanks ! 

How is the opensky card? 

I applied for the opensky card first and was instantly approved but stalled on doing the security deposit once I applied for the discover. I honestly still want two secured cards. 

[Anonymous]

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@WXYZ78006 wrote:

CONGRATS! I was also able to do secured and opted for the $200 limit. Still waiting for my card and new responsibilites!  

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Thank you! I hope your card comes soon, the mailer is plain but once I torn it open, I loved the pearl cardboard  so shiny and pretty lol. I decided on the $300 limit because I wanted a little bit of extra room. The extra $100 helped to decrease my UTL more. If I had another $200 I would of went for the 500. Who knows I may add it on later.  

[Anonymous]

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@800FICOGoal wrote:

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@Anonymous wrote:

My goal is to buy my first home as soon as possible. Each day I slowly learn more and more about FICO and building good credit. 

I made sure to stay on top of it by constantly contacting customer service during each phase. I was able to get the tracking number today and it is expected to arrive on Feb 22nd woohoo! I am excited about being on step closer to my goal! 

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Congrats on your new card, and good luck on your home ownership quest!

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Double thanks, I feel I may be closer than expected! 

[Anonymous]

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@Priory_Man wrote:
Welcome to the forums, and congratulations on your new card.
Slow and steady wins the credit race, so don't try and rush things.
Good luck on the house purchase.

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Triple thanks, you're absolutely right, I'm working a lot on my patience. 

It's so easy to destroy credit yet it seems to take forever to fix the damage.

[Anonymous]

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@Remedios wrote:

Congratulations on your approval 

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Thank you!

[Anonymous]

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@simplynoir wrote:

Congrats on your new card

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Thank you!

[Anonymous]

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@Anonymous wrote:

Congrats on your approval !!!!!

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Thank you! I love the gif, one of my fav actors lol

[Marz2002]

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@Anonymous wrote:

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@Marz2002 wrote:

CONGRATS on the Approval and WELCOME to the FORUMS and the Disco Family!!!

I seriously started my Rebuild project in April 2018 with a $300 OpenSky credit card that I had been using for over 2 years.

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Triple Thanks ! 

How is the opensky card? 

I applied for the opensky card first and was instantly approved but stalled on doing the security deposit once I applied for the discover. I honestly still want two secured cards. 

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You're most welcome!

The OpenSky card is great, except that it DOESN'T graduate to Unsecured!