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Woooohooooooooo - approved for Discover IT!!!

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Woooohooooooooo - approved for Discover IT!!!

OMG. Discover approved me for an 800 CL UNSECURED card. This is after I was rejected last month for a SECURED Discover. I just plugged my info into the prequal for the heck of it and it gave me the options for Discover IT Cashback or Chrome. I went ahead and completed the application, thinking that they would give me $300, but they gave me $800. Happy day! 

 

Equifax - 624

Transunion - 618

Experian - 623

 

Cards are:

Overstock - 2000

Wayfair - 2000

Victoria's Secret - 250

Banana Republic - 300

Target - 300

CapOne QuickSilver 1500 (I had 2 platinum CapOnes, combined the cards, and then did a product change)

CapOne QuicksilverOne - 300

CreditOne (I know) - 600

Ulta - 400

Dillards - 1300

 

I opened a number of store cards recently to improve utilization. I have 3 baddies which I will pay original creditor (cell phone companies) then collections will fall off.

 

Now I'm in the garden for a LONG time. 

Message 1 of 16
15 REPLIES 15
Frequent Contributor

Re: Woooohooooooooo - approved for Discover IT!!!

Congratulations_misti.gifCongratulations mate your on your way!



Message 2 of 16
Valued Contributor

Re: Woooohooooooooo - approved for Discover IT!!!

Congrats on the approval and the patience to wait until it was prequalified!


Message 3 of 16
Community Leader
Mega Contributor

Re: Woooohooooooooo - approved for Discover IT!!!

CongratsSmiley Happy Welcome to Discover! Just remember you really don't have to open alot of store cards to improve your utilization. You want to build your credit with quality not quantity.
#ChaseCreditCardHobby Enthusiast
2022
!
Message 4 of 16
Valued Contributor

Re: Woooohooooooooo - approved for Discover IT!!!

Congrats on your Discover IT approval! Smiley Very Happy

Currently: Gardening since 12/29/2019




Message 5 of 16
Community Leader
Mega Contributor

Re: Woooohooooooooo - approved for Discover IT!!!


@SANIVED82 wrote:

OMG. Discover approved me for an 800 CL UNSECURED card. This is after I was rejected last month for a SECURED Discover. I just plugged my info into the prequal for the heck of it and it gave me the options for Discover IT Cashback or Chrome. I went ahead and completed the application, thinking that they would give me $300, but they gave me $800. Happy day! 

 

Equifax - 624

Transunion - 618

Experian - 623

 

Cards are:

Overstock - 2000

Wayfair - 2000

Victoria's Secret - 250

Banana Republic - 300

Target - 300

CapOne QuickSilver 1500 (I had 2 platinum CapOnes, combined the cards, and then did a product change)

CapOne QuicksilverOne - 300

CreditOne (I know) - 600

Ulta - 400

Dillards - 1300

 

I opened a number of store cards recently to improve utilization. I have 3 baddies which I will pay original creditor (cell phone companies) then collections will fall off.

 

Now I'm in the garden for a LONG time. 


 

Congrats  on your approval. 

 

Do yourself a favor and get rid of Credit One.  Your wallet will thank you 

Message 6 of 16
Valued Contributor

Re: Woooohooooooooo - approved for Discover IT!!!

Congrats on the approval!


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 7 of 16
Regular Contributor

Re: Woooohooooooooo - approved for Discover IT!!!

Congrats on your Discover It Approval, welcome to the Disco family!!! Enjoy Smiley Happy




Goals: Gardening until November 2020; and FICO 8 Scores reach 750 TU/EX/EQ
Starting Score: 627
Current Score: 696
Goal Score: 750


Take the myFICO Fitness Challenge
Message 8 of 16
Regular Contributor

Re: Woooohooooooooo - approved for Discover IT!!!

Congrats on the approval!
AAoA 7yrs 11mos
Inquries: TU7/EQ6/EX8
Utilization: less than 25%
Mortgage
Auto Loan
Personal Loan
Derogatory: 0


Starting Scores FICO 8 (Aug '18):
EX- 585, TU- 583, EQ- 563
CURRENT SCORE UPDATED: 1/2020
Message 9 of 16
Senior Contributor

Re: Woooohooooooooo - approved for Discover IT!!!

Congratulations on your approval!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 10 of 16
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