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DIscover card

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e35
Regular Contributor
‎12-06-2013 12:03 PM
‎12-06-2013 12:03 PM

DIscover card

DIscover recon took a look at transunion credit report again. The two collections are gone. The stated I am approved but I need another person on the account with me. SO my AUnt and I will be calling tomorrow to finish up the approval. YES, I should be in the DIscover family tomorrow.

Starting FICO scores EX- 422 Feb/2013

NEW 12/13/13 FICO scores
Ex- 638, EQ- 658, TU- 646

Almost there Goal 660 across the board
Message 1 of 11
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10 REPLIES 10
e35
Regular Contributor
‎12-06-2013 12:05 PM
‎12-06-2013 12:05 PM

DIscover card recon

DIscover recon took a look at transunion credit report again. The two collections are gone. The stated I am approved but I need another person on the account with me. SO my AUnt and I will be calling tomorrow to finish up the approval. YES, I should be in the DIscover family tomorrow.

Starting FICO scores EX- 422 Feb/2013

NEW 12/13/13 FICO scores
Ex- 638, EQ- 658, TU- 646

Almost there Goal 660 across the board
Message 2 of 11
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injustifiiable
Valued Contributor
‎12-06-2013 12:05 PM
‎12-06-2013 12:05 PM

Re: DIscover card

Nice work!

 

Welcome.

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 3 of 11
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09Lexie
Moderator Emerita
‎12-06-2013 12:28 PM
‎12-06-2013 12:28 PM

Re: DIscover card

@e35 wrote:

DIscover recon took a look at transunion credit report again. The two collections are gone. The stated I am approved but I need another person on the account with me. SO my AUnt and I will be calling tomorrow to finish up the approval. YES, I should be in the DIscover family tomorrow.

So, they are saying you need a co-applicant? I assume your aunt is aware this will effect her credit and you are both responsible for the TL 


Closing Credit Cards

The Definitive Amex 3X CLI Guide

Frequently Requested Threads
Message 4 of 11
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coldnmn
Mega Contributor
‎12-06-2013 12:46 PM
‎12-06-2013 12:46 PM

Re: DIscover card recon

Congrats! I hope your aunt realizes it affects her credit as well.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 5 of 11
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e35
Regular Contributor
‎12-06-2013 01:44 PM
‎12-06-2013 01:44 PM

Re: DIscover card

She knows and she okay with it. She knows I am responsible.

Starting FICO scores EX- 422 Feb/2013

NEW 12/13/13 FICO scores
Ex- 638, EQ- 658, TU- 646

Almost there Goal 660 across the board
Message 6 of 11
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e35
Regular Contributor
‎12-06-2013 01:56 PM
‎12-06-2013 01:56 PM

Re: DIscover card recon

She knows.

I am just so happy right now.

I know my FICO family told me to wait out the 30 days. BUt when I seen that the last collection were gone. I had to go for it.

MY transunion report is clean. When these accounts were deleted I got a 20 points jump on FICO.

Starting FICO scores EX- 422 Feb/2013

NEW 12/13/13 FICO scores
Ex- 638, EQ- 658, TU- 646

Almost there Goal 660 across the board
Message 7 of 11
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pembrokepride
Contributor
‎12-06-2013 02:21 PM
‎12-06-2013 02:21 PM

Re: DIscover card recon

I had this happen to me. I applied online and got the word that I could get it with a cosigner. I discovered this site and found out about Recon. I called them and asked to be reconsidered and after a couple of times of being put on hold they came back and approved me without a cosigner. I put a couple of balance transfers on it. I love the card already it is by far the best card I currently have.

In garden as of 04-06-14 to 12/01/14

Starting score EQ MyFico 646 11/29/13 Current 691 EQ MyFico SW 04/03/14
Starting score EX MyFico 657 12/01/13 Current 686 EX MyFico 03/01/14
Starting score TU MyFico 627 12/02/13 Current 696 Barkclay 03/26/14
Message 8 of 11
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e35
Regular Contributor
‎12-06-2013 03:45 PM
‎12-06-2013 03:45 PM

Re: DIscover card recon

MY aunt owns to homes and is very good with her credit

Starting FICO scores EX- 422 Feb/2013

NEW 12/13/13 FICO scores
Ex- 638, EQ- 658, TU- 646

Almost there Goal 660 across the board
Message 9 of 11
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myjourney
Super Contributor
‎12-06-2013 04:23 PM
‎12-06-2013 04:23 PM

Re: DIscover card recon

Congarts and first purchase buy your aunt something nice for Christmas 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 10 of 11
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