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Discover It approval - Low Credit Score

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New Member

Discover It approval - Low Credit Score

Pulling a 618 TU after having an increase from 556 TU after collection dropped. Still showing 3 student loans as duplicate for EQ as 6 accounts. Paid through taxes. Opened a $500 secured card through my bank and they reported a 0 credit score in 2016.

Fast forward my I read a forum on not "under estimating" your credit worthiness so I decided to apply for the card I wanted.

Clicked apply and *BBOOOMMM* got approved with a $7k limit!

Mind you I had a $55k salary with $3200 assetts.
EQ - 665 | TU - 618 | EX - 658
18 REPLIES 18
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Moderator

Re: Applying for Discover It - Low credit score

Congrats on your approval! 

Got some pruning to do... No more new cards!
Message 2 of 19
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Valued Contributor

Re: Applying for Discover It - Low credit score

That is truly impressive! Wow.

 

Yay you!! 




Message 3 of 19
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Valued Contributor

Re: Discover It approval - Low Credit Score

That’s a very nice starting line on that score. Discover wants a special place in your wallet.

Congrats.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 4 of 19
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Valued Contributor

Re: Discover It approval - Low Credit Score

Congratulations. Impressive SL....Smiley Happy

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 19
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Regular Contributor

Re: Discover It approval - Low Credit Score

Nice congratulations that's a great SL!

.:: Chase Amazon Prime Signature Visa | $12,300::.
.:: Wells Fargo Platinum | $3,000::.
.:: Target | $400::.
.::02.15.18::. EQ-758 | TU-764 | EX-761
Goal: 800+ EX:TU:EQ
Message 6 of 19
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Moderator

Re: Discover It approval - Low Credit Score

Congrats very impressive limit with discover and not to mention for that score..  Just another DP that shows Discover likes people with very little credit and they will reward you accordingly and are not score driven.

 

Edit: BTW welcome to the forums and please stick around and continue to learn Smiley Happy.

Message 7 of 19
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Community Leader
Mega Contributor

Re: Discover It approval - Low Credit Score

Wow, thats truely amazing. If i had tried that, Disco would have laughed at me but thankfully Disco is warming up to my advancesSmiley Wink.

Incredible job, now treat her right Smiley Happy
Message 8 of 19
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Valued Contributor

Re: Discover It approval - Low Credit Score

Very Nice. Discover will look great on your CR

Message 9 of 19
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Valued Contributor

Re: Discover It approval - Low Credit Score

Congratulations on your Disco approval!! Very nice 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 10 of 19
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