How did I Do?

[Anonymous]

Just turned 18 march 30, I had been a authorized user on a capital one credit card which is about 40 percent utilization, when I first checked my score it showed a 726 TU and similar EQ but experian showed ghost credit for some reason. The first credit card I applied for was the cap 1 journey, I was surprised I actually got instant approval with a 1000 credit limit. I also applied for the discover student and was approved for 500. Any suggestions? How soon do you think I could get a cli on discover?

[Aduke1122]

CongRats on the new approvals Op , I would take these new cards to the garden and not app for anything for atleast 6 mths . As far as Discover I believe it's 60-90 days bf you can ask for CLI , the student card is known not to grow as well as others though , but you never know . Join a good credit union and they will help you a lot with building credit

[AverageJoesCredit]

2 good cards to begin your journey. Perhaps check out Amex to get card #3 and head off to garden for 6-12 months of relaxation.

[Anonymous]

---

@AverageJoesCredit wrote:
2 good cards to begin your journey. Perhaps check out Amex to get card #3 and head off to garden for 6-12 months of relaxation.

---

+1

Congrats OP and welcome to MyFico. There is loads on information and great advice to be had here. 

[Anonymous]

Already applied for Amex and denied me instantly but I'm pretty sure it's because they pulled experian which doesn't show any credit history because the cap 1 card isn't listed for some reason. Oh well , I'll wait 6 months or so and apply again, my score should be over 750 then

[Anonymous]

---

@Anonymous wrote:
Already applied for Amex and denied me instantly but I'm pretty sure it's because they pulled experian which doesn't show any credit history because the cap 1 card isn't listed for some reason. Oh well , I'll wait 6 months or so and apply again, my score should be over 750 then

---

Sorry to hear about your denial. But, like you said, you can try again in 6 months or so. Until then, garden and watch your scores continue to sky rocket!!! 

[Anonymous]

Experian seems to be strong with identity verification service as well so there's no surprise to me that it doesn't get reported to Experian or it is discredited. Don't worry about it you have more tradelines who will report to it so try again few months.

[Anonymous]

Nice job! Let them grow now!!!