November of last year her scores were all in the low 600s...I cleaned her up best I could...still report three small unpaid medical collections (all under 100) from 2005. She was pre-approved for Discover, and since her TU score was best (695 FICO), decided to app...
Got an alert they hit EQ Monday - her worst (663 FICO). Got a call this morning to verify information, our new mortgage just started reporting so CSR asked for my income as well...she was approved for $5k! I am very suprised!
Util is 10%, she is an AU on my highest card WF (6.5k CL), her highest personal card was Cap One (2k CL).
She has low INQ (one store card from early last year and then our mortgage INQ from Nov and Dec), and 10% util. So my guess is those must be very important to Discover.
5k with a 663 EQ hard inq! I'm really happy for her.
NFCU and AmEx is next!
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What's in my wallet?
Apple, Amex Biz Plat/BBC/BCP/Schwab/Plat/Gold, NFCU Flagship/Plat, Spark Biz, PenFed, CSR, and more
