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Discover it secured graduation and 10x CLI!

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Established Member

Discover it secured graduation and 10x CLI!

opened it with a very low credit score (532 I believe) and $200 in August of last year. 9th statement just cut the 17th and I happened to login on the app a little over an hour ago because I'm always checking on my cards at night in bed 🙄🤣 and noticed my CL being $2000! was NOT expecting that, it feels really really good.  I cannot wait to see what this does to my score now.  

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27 REPLIES 27
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Valued Contributor

Re: Discover it secured graduation and 10x CLI!

Congratulations on becoming unsecured and the massive CLI! 

April 2020
Experian Fico 8. 703
Transunion Fico 8. 711
Equifax Fico 8. 717

Capital one QS. $700
.
Capital one QS1. $2250
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $17,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

All cards opened between Oct 2018. - March 2020

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Mega Contributor

Re: Discover it secured graduation and 10x CLI!

Congratulations! ..

Message 3 of 28
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Super Contributor

Re: Discover it secured graduation and 10x CLI!

Congratulations on your approval! Job well done.

Message 4 of 28
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Established Member

Re: Discover it secured graduation and 10x CLI!

thank you all! made some good moves apparently! I wasn't really consistent though I mean a few times I've been super close to credit limit, taken a few months to pay that down, then more recently the past few months I've paid off to $0 a few times in the one cycle. Maybe that's what did it I dunno. I could never put more down on the card (single mom of five here busting my ass) super determined to rise UP from where I've been. seriously so happy I wanna cry. $2000 may not seem like much to those with crazy high SL (no idea how those are possible lol) but this progress feels golden. 

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Regular Contributor

Re: Discover it secured graduation and 10x CLI!


@jata_roots wrote:

opened it with a very low credit score (532 I believe) and $200 in August of last year. 9th statement just cut the 17th and I happened to login on the app a little over an hour ago because I'm always checking on my cards at night in bed 🙄🤣 and noticed my CL being $2000! was NOT expecting that, it feels really really good.  I cannot wait to see what this does to my score now.  


Congratulations on your graduation and increase! 

and

Rebuilding started in June '19 with low 500s across the board.

FICO8 Progress (via Discover Credit Scorecard):
702 - 04/27/2020
703 - 03/28/2020
685 - 02/26/2020

GOALS:
• 725 - 750 FICO before 2021
• Visa CC (Citi Costco?)
Message 6 of 28
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Established Contributor

Re: Discover it secured graduation and 10x CLI!

Congrats on your CLI.

12/18/19






Cards

Authorized User
Message 7 of 28
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Regular Contributor

Re: Discover it secured graduation and 10x CLI!

Congratulations on your graduation and CLI!  Awesome.








Message 8 of 28
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New Contributor

Re: Discover it secured graduation and 10x CLI!

Congrats on the graduation, also good to know they're still giving that big of a potential bump on graduation.

*Sig a work in progress*
Scores accurate as of 4/3/20.

FICO8:
FICO9:
My scores are deceptively high, especially on EX and TU in no small part due to a thin file and boosted by an old, now closed account I was an AU on and another currently open.

Total Inquiries: EX: 2|TU: 3|EQ: 2
Derogs: 0
Total Open, non-AU accounts:4
Installment: NFCU SSL opened on 3/24 for $3010 at 36 months (boo), paid down to 9%.
AAoA: 4 years, 3 months on EX and TU, 2 years and 8 months on EQ. Without AU... lol.
AoOA: With AU 01/2008, without 12/2019.
AoYA: Opened on 4-3-20.
Total CL: 7,400
Revolving UTL: 1%

Message 9 of 28
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New Contributor

Re: Discover it secured graduation and 10x CLI!

Congratulations! A great feeling. Keep it up. 





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