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MISS DISCO APPROVAL FOR 3K UNSECURED

SUPERSQUID
Regular Contributor

MISS DISCO APPROVAL FOR 3K UNSECURED

hi everyone

i have a bk 7 discharged 12/2019, my scores are in the mid 600's, i have a bunch of inquirys

i checked prequal for miss disco about 3 or 4 months ago and they offered me nada, not even the secured card.

a few days ago i hit the disco prequal page again only this time it lit up like a pinball machine. i was preapproved for a sl of 3k and given a choice of 3 of their cards.

my income is modest, mid 30's. that part of the reason i had to file bk 7. i used to make 100k plus and became permanently disabled in 2017 and my income dropped to the 30's with a high debt load. i burned through 20k plus in savings just to stay afloat and then i could no longer tread water.. iib was 4 cap 1 cards, one td bank 8k, 3 chase cards, but i managed to pay one 5300, i paid off 2 citi cards 6k and 8k. i paid off a commenity card for 4k, i paid off 2 secured loans, lending club 10k and prosper 10k. i never had a discover card so i am clean with them. i plan to improve my position and apply for a nfcu card, i already joined, savings and checking. i want to wait until jan for nfcu because then i will be 2yrs post bk 7, my dti is 4 percent

target 500 kohls 700 discover 3k mercury 3350 ollo 600 mission lane 1050 big lots 750 ikea 550 valero 300 firestone 1k legacy 1500 first savings bank cc 1500 cap1 300 fingerhut 2600
Message 1 of 16
15 REPLIES 15
babygirl1256
Valued Contributor

Re: MISS DISCO APPROVAL FOR 3K UNSECURED

Congrats on your Disco approval -and- double congrats on your credit rebuilding. Wishing you future success on your continued rebuilding.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 2 of 16
Total80sKid
Valued Contributor

Re: MISS DISCO APPROVAL FOR 3K UNSECURED

Congrats on your Disco approval and rebuild success! 👍🏼🎉🥳

Message 3 of 16
SUPERSQUID
Regular Contributor

Re: MISS DISCO APPROVAL FOR 3K UNSECURED

THANKS, AND THANKS TO EVERYONE HERE. IHAVE BEEN LURKING A WHILE AND TAKING NOTES. I ACTUALLY HAVE A NOTEBOOK AND ADD PERTINENT NOTES FROM THIS FORUM AND SO FAR EVERY MOVE I HAVE HAS BEEN WORKING BECAUSE OF IT. I NEVER HEARD OF NFCU OR PENFED UNTIL I STARTED READING HERE. I ALWAYS ASSUMED DISCOVER STUNK BECAUSE YEARS AGO I HAD A FRIEND WHO SAID SO. THE CREDIT GAME IS STEPPING STONES AND GRADUALLY GETS BETTER. WHEN I FIRST STARTED MANY MOONS AGO BEFORE BK I DID SO WITH BOTTOM FEEDER CARDS WITH BAD TERMS AND LOW LIMITS. NOW I HAD TO START WITH BOTTOM FEEDER CARDS WITH HIGH FEES AND LOW LIMITS BUT MY LAST 2 CARDS SHOW TO ME I AM SLOWLY MAKING PROGRESS. DISCOVER WITH ZERO AF, REWARDS, AND 22 PERCENT INTEREST RATES ALONG WITH A 3K SL, AND MERCURY WITHA 3K SL, NO AF, REWARDS, A 26.99 RATE. 22 AND 26 MIGHT SEEM HIGH BUT CONSIDER MY FIRST 2 CARDS HAD A 35 PERCENT AND 29.99 RATE RESPECTIVELY, MEGA FEES AND A 300 LIMIT.

target 500 kohls 700 discover 3k mercury 3350 ollo 600 mission lane 1050 big lots 750 ikea 550 valero 300 firestone 1k legacy 1500 first savings bank cc 1500 cap1 300 fingerhut 2600
Message 4 of 16
Horseshoez
Valued Contributor

Re: MISS DISCO APPROVAL FOR 3K UNSECURED

@SUPERSQUID, here's a suggestion for you; stop using the bolded ALL-CAPS thing, it looks like you're yelling at us and is considered kind of rude.

I categorically refuse to do AZEO!

Message 5 of 16
coreyb80
Senior Contributor

Re: MISS DISCO APPROVAL FOR 3K UNSECURED

Congrats on the approval!  Wishing you continued success on the rebuild as well.

Message 6 of 16
Ficoproblems247
Valued Contributor

Re: MISS DISCO APPROVAL FOR 3K UNSECURED

Congrats and welcome to the Disco family! They are a wonderful lender to have in your pocket. I hope your new card serves you well! Smiley Happy 




FICO 8 Sep '21 EX 746 EQ 748 TU 741
Message 7 of 16
Ficoproblems247
Valued Contributor

Re: MISS DISCO APPROVAL FOR 3K UNSECURED


@Horseshoez wrote:

@SUPERSQUID, here's a suggestion for you; stop using the bolded ALL-CAPS thing, it looks like you're yelling at us and is considered kind of rude.


Maybe before calling a brand new forum member "rude," you should consider other things. This is literally the OP's 5th post on the forums. When you read the post, the OP is likely just very excited due to the fact that they are having success by using the knowledge they have garnered here on the boards. While I completely agree with you about not using all bolded posts, there are more tactful ways of stating this to a brand new member in the middle of an approval thread. Smiley Happy 




FICO 8 Sep '21 EX 746 EQ 748 TU 741
Message 8 of 16
SUPERSQUID
Regular Contributor

Re: MISS DISCO APPROVAL FOR 3K UNSECURED

I'm not trying to be rude, i'm just lazy. i have been posting on various forums for decades so i know some people get upset about punctuation, spelling, and caps. let me appologize in advance if my lack of ettiquette. i am a laid back poster, (mod cut-not here pls, thanks) DOH

target 500 kohls 700 discover 3k mercury 3350 ollo 600 mission lane 1050 big lots 750 ikea 550 valero 300 firestone 1k legacy 1500 first savings bank cc 1500 cap1 300 fingerhut 2600
Message 9 of 16
gdale6
Moderator

Re: MISS DISCO APPROVAL FOR 3K UNSECURED

Very good, grats on your new Discover card and welcome to the board Smiley Happy

Message 10 of 16
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