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Discover Grad! Yes it is real

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
New Contributor

Discover Grad! Yes it is real

I have not been online here in a while due to farming but I just got some GREAT news. Discover graduated me! 

 

Opened: 24 June 2018 (195 days ago)

Security Deposit: $500.00

Paid in full every month.

Always exceeded $500 use every month most of the time multiple times (put paid as soon as it posted) 

 

My FICOs have not broke the 700 barrier but I am just hovering really close. 

 

I really did not expect the graduation as I have recently shot up in inquiries due to a auto loan and I recently picked up an Ollo Card and was going to drop my Secured USAA Amex with $1200 sitting their doing absolutely nothing.  I also picked up a Khols card so the wife could take advantage of their rewards or what I call hook lines. 

 

I never expected to be where I am now  less than 1 year after a BK7 discharge.

 

The only bummer is that my rewards did not change so I don't have access to the quarterly rewards bonus. I am stuck with the 1% unlimited and 2% gas stations & restaurants up to $1000 per quarter. But hey it's unsecured now Smiley Happy 

 

Screenshot_436.png2k is not the greatest but YES!

 

I will update my signature later in the week. 

My long rebuilding road. I am currently gardening.
Filed Chapter 7 in December 2017
I AM NOT checking any scores until January 2019
TU: 558 EF: 558 EX: 608 as of 09 Oct 2018
Vantage Scores TU: 695 EQ: 691 EX: 687
FICO 8 Exp 657 (22 Sept 2018)
FICO 9 Exp 695 (03 Oct 2018)
FICO 9 EQ 662 (11 Sept 2018)
FICO 8 TU 628 (28 Aug 2018)
*CC's:
QuickSilver One (Oct 2018) $3000
QuickSilver (PC from Platinum) (Apr 2018) $500
Secured USAA Amex (Apr 2018) $1250
Secured Discover IT (June 2018) $500
Ollo Platinum MC $800 (Nov 2018)
*Loans
AMPLIFY CU Auto Loan (72 mo) $36,744 (Oct 2018) 4.79%
Inquiries: TU-11, EQ-9, EX-9 (Most of HPs were from Auto Purchase)
Message 1 of 22
21 REPLIES 21
Super Contributor

Re: Discover Grad! Yes it is real

Congrats. You could have changed the card at any time. I changed mine after my first statement.








***AD SPACE AVAILABLE***
Message 2 of 22
Valued Contributor

Re: Discover Grad! Yes it is real

Congrats on your graduation (and all your progress)!   

 

And hey -- if you can, maybe consider holding off on closing your USAA secured card for a bit... there's a post floating around here from about a week ago regarding changes being made to the USAA secured -- the changes are currently unknown but perhaps there will finally be an ability to graduate??  That would make it worth holding on to.

 

Also - Happy New Year!

 

EDIT:  Link to that post about USAA secured: https://ficoforums.myfico.com/t5/Credit-Cards/USAA-Secured/m-p/5450368

Looks like a 'new' secured card is coming --I don't know but may be worth it to wait and see if the new features will extend to existing card holders.

Personal Aphorism:
"Forget What You Feel, Remember What You Deserve"


Starting FICO 8s | 09/06/2017: EX 641 ✦ EQ 634 ✦ TU 647
Current FICO 8s | 07/01/2019: EX 741 ✦ EQ 727 ✦ TU 733
Current FICO 9s | 06/01/2019: EX 753 ✦ EQ 751 ✦ TU 732
Highest FICO-8 Ever | 10/2018: 780 [on dirty report]

2019 Goal Score | 780s


My AAOA: 2.7 years not incl. AU / 2.10 years incl. AU
My AoOA: 6.5 years not incl. AU / 8.5 years incl. AU
Report Status: Clean

Tending my Garden til 2/2021


Without patience, we will learn less in life. We will see less. We will feel less. We will hear less. Ironically, rush and more usually mean less.
Message 3 of 22
Regular Contributor

Re: Discover Grad! Yes it is real

Congratulations on moving from secured to unsecured!

Scores as of 7/5/2019


Planning to garden until February 2020 (started Jul 11 2019)
Message 4 of 22
Regular Contributor

Re: Discover Grad! Yes it is real

Congrats







Message 5 of 22
Established Contributor

Re: Discover Grad! Yes it is real

Congrats! Discover has been a solid card for me for CLIs. Garden and grow it!

Amex PRG (NPSL), Amex Blue Cash ($8K), Amex Simply Cash+ ($4K), Discover ($20.7K), Cap 1 Union Plus MC ($2500), Chase FU Visa Sig ($12K), Chase CSP Visa Sig($5K), FCB/Elan Rewards Visa Sig($10K), Buckle ($1.3K), BofA AAA Rewards ($65K), Paypal credit ($6.5K), BBVA Clearpoints ($7.5K), Cap 1 Savor ($10K)
Message 6 of 22
Regular Contributor

Re: Discover Grad! Yes it is real

Congrats my 7th statement cut today. Waiting to see if it will unsecure on my end
Fico 8 Exp 598 Transunion 598 Equifax 596 (7/18/18)
FICO 8 Exp 609 TransUnion 622 Equifax 617 (8/10/18)
FICO 8 Exp 643 Equifax 641 Transunion 655 (9-10-18)
FICO 8 exp 630 Transunion 646 Equifax 627
Fico 8 Exp 646 Transunion 639 Equifax 640 (11/1/18)
Fico 8 Exp 698 Transunion 716 Equifax 690 (1/8/19)
Message 7 of 22
Established Member

Re: Discover Grad! Yes it is real

Congrats, I love my discover card welcome to the unsecured life great work!
Starting Score: 600
Current Score: 604
Goal Score: 740


Take the myFICO Fitness Challenge
Message 8 of 22
Valued Contributor

Re: Discover Grad! Yes it is real

Yay for you Farmer forJat!!!!! And thanks for posting how you used it ....that's a nice cli too.

Rebuild Oct. 2018
"My Take Home Pay Don't Take Me Home"
[Synovus LOC 75k| Cap1 Savor| Disco-It| Lowes (AU)| UltamateMC| Good Sam VS]
Message 9 of 22
Established Contributor

Re: Discover Grad! Yes it is real

Going from $500 secured to $2k unsecured....that's a great increase!  Congrats!

 FICO 8
Message 10 of 22