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Finally Discover

Auto Loans for ANY Credit Situation. Immediate Response.
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Regular 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 10yrs 11mos
Inquries: TU7/EQ6/EX8
Utilization: less than 25%
Mortgage
Auto Loan 2
Personal Loan
Derogatory: 0


Starting Scores FICO 8 (Aug '18):
EX- 585, TU- 583, EQ- 563
CURRENT SCORE UPDATED: 4/2020
Message 1 of 11
10 REPLIES 10
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Valued Contributor

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
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Regular Contributor

Re: Finally Discover

Unsecured and CSR told me I can get a CLI in 3 months
AAoA 10yrs 11mos
Inquries: TU7/EQ6/EX8
Utilization: less than 25%
Mortgage
Auto Loan 2
Personal Loan
Derogatory: 0


Starting Scores FICO 8 (Aug '18):
EX- 585, TU- 583, EQ- 563
CURRENT SCORE UPDATED: 4/2020
Message 3 of 11
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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. 


AMEX Gold / Home Depot CC $3K/ Discover IT Chrome $2K SL / PayPal MC $2K /
BOA BankAmericard $2K / BOA Cash Rewards $1000 / Cap One Savor One $1000 / Blaze MC $1500 / Credit One $850 / OpenSky $500 / AvantCard $500 / Discover IT Cash Back (Graduated Secured) $200 CLI to $400 / EBAY MC $300
Jan of 2017 Credit Karma: 404 -SEPT OF 2018: EX 652 EQ 626 TU 604
AUGUST OF 2019 1% UTL - EX 681 EQ 667 TU 659
Total Credit Limit: $16150 -
Goal Score: 675 for all FICOS (ACHIEVED EX)
Message 4 of 11
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Community Leader
Mega Contributor

Re: Finally Discover

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

Re: Finally Discover

Congrats on your rebuild so far and on the approval!


Scores - All bureaus 756 +
TCL - Est. $275K
Message 7 of 11
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Valued Contributor

Re: Finally Discover

Congrats

Message 8 of 11
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Established Contributor

Re: Finally Discover

Congratulations! Enjoy your new shiny!

Fico Scores as of March 2020 TU (739) EX (748) EQ (776)



Message 9 of 11
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Established Contributor

Re: Finally Discover

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

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