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Finally Discover

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blazerein
Established Contributor

Finally Discover

So I just started rebuilding back in August and all my cards on my sig are new besides the AU card. Keep doing Discover pre-qualify and nothing shows up. When my EX score increased went back in and approved for 2 cards with solid APR, IT or Chrome so I went with IT. Middle of application is a little odd as they want me to download ID and SSN but I don’t have it so I click Finished. Then they want me to call this number and CSR just asked me my DOB, Address and another credit card company that’s on my file. Came back with 500 SL approved, I know it’s a small one but I’m happy I got in with only 2 months rebuilding. Once all my payment post next month and UTIL go down to less than 10 I will try AMEX. Thanks all for, appreciate the help.
AAoA 6yrs 3mos | Inquries: TU5/EQ5/EX8 | Utilization: 9% | Mortgage: 1 | Auto Loan: 2 | Personal Loan: 2 | Derogatory: 0

> >CREDIT UNION


EX- 585, TU- 583, EQ- 563 | CURRENT SCORE UPDATED: 2/2023 -> FICO 8 EX 754 TU 741 EQ 755 | FICO 9 EX 747 EQ 763 TU 756
Message 1 of 11
10 REPLIES 10
Anonymous
Not applicable

Re: Finally Discover


@blazerein wrote:
So I just started rebuilding back in August and all my cards on my sig are new besides the AU card. Keep doing Discover pre-qualify and nothing shows up. When my EX score increased went back in and approved for 2 cards with solid APR, IT or Chrome so I went with IT. Middle of application is a little odd as they want me to download ID and SSN but I don’t have it so I click Finished. Then they want me to call this number and CSR just asked me my DOB, Address and another credit card company that’s on my file. Came back with 500 SL approved, I know it’s a small one but I’m happy I got in with only 2 months rebuilding. Once all my payment post next month and UTIL go down to less than 10 I will try AMEX. Thanks all for, appreciate the help.

Congrats on the approval! Just to be clear, did you get approved the unsecured version? Smiley Happy

Message 2 of 11
blazerein
Established Contributor

Re: Finally Discover

Unsecured and CSR told me I can get a CLI in 3 months
AAoA 6yrs 3mos | Inquries: TU5/EQ5/EX8 | Utilization: 9% | Mortgage: 1 | Auto Loan: 2 | Personal Loan: 2 | Derogatory: 0

> >CREDIT UNION


EX- 585, TU- 583, EQ- 563 | CURRENT SCORE UPDATED: 2/2023 -> FICO 8 EX 754 TU 741 EQ 755 | FICO 9 EX 747 EQ 763 TU 756
Message 3 of 11
CreditRebuilder2020
Frequent Contributor

Re: Finally Discover

That's quite remarkable, good job on the no baddies.

 

They pulled my EXP a while back when my score just crossed 650 and they shot me down because of my baddies. 

 

Scores don't mean everything as you're clearly proving, you also have a nice debt mixture there that's not too credit card heavy.

 

Treat it well, can't wait for Discover to unsecure my card. 


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
Message 4 of 11
AverageJoesCredit
Legendary Contributor

Re: Finally Discover

Nice job Smiley Happy Wecome to DiscoSmiley Happy
Message 5 of 11
Cred4All
Valued Contributor

Re: Finally Discover

Congrats on the approval Op, and nice AAoA as well!  That card will definitely grow with you so the SL will move up quick.


Message 6 of 11
xaximus
Valued Contributor

Re: Finally Discover

Congrats on your rebuild so far and on the approval!


Scores - All bureaus 770 +
TCL - Est. $410K
Message 7 of 11
JoeLuvsHisCredit
Valued Contributor

Re: Finally Discover

Congrats

Message 8 of 11
Anonymous
Not applicable

Re: Finally Discover

Congratulations! Enjoy your new shiny!

Message 9 of 11
Anonymous
Not applicable

Re: Finally Discover

Congratulations! It took me a long time to win it back.

Message 10 of 11
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