@Anonymous wrote:My card graduated this morning after a year and 6 months. I had to file bankruptcy 2 years ago. I think that's why it took so long to graduate.
Experian score was 549 when I first started rebuilding my credit. The highest Ive ever gotten that score was 649. As of today it's 623.
My Equifax score was 595 when I first started. It's 652 now
My TransUnion score is was 510 when I first started now it's 609.
My credit limit went from 200 to 1800!! 🙌🙌
Congrats on your graduation. I become eligible next month, I hope to join you then. Good job on improving your score too. Cheers.
Goal Scores: 700 across all three
Dont recall seeing this in this long thread but think it should be brought up...
This is also why sometimes you can sometimes be eligible/qualify for a new card from Discover after a year, but still haven't graduated yet!
Also... another thing... (know it doesnt help some)...
Discover is actually pretty quick to graduate if your eligible.... a lot of cards require at least 12 months to even 18mo if they graduate at all....
Know its hard to wait it out.... but i dont see why folks don't at least give them at least a year to graduate... if not. can try prequalifying if it doesnt graduate for a new card and just close the old one...
As to the stragglers, theres something else involving your credit report or they havent seen enough progress to graduate you... Only solution to that is time and cleaning up some baddies if there are any....
-J
@Anonymous wrote:My card graduated this morning after a year and 6 months. I had to file bankruptcy 2 years ago. I think that's why it took so long to graduate.
Experian score was 549 when I first started rebuilding my credit. The highest Ive ever gotten that score was 649. As of today it's 623.
My Equifax score was 595 when I first started. It's 652 now
My TransUnion score is was 510 when I first started now it's 609.
My credit limit went from 200 to 1800!! 🙌🙌
Congratulations on your Graduation and CLI
@joltdude wrote:Dont recall seeing this in this long thread but think it should be brought up...
This is also why sometimes you can sometimes be eligible/qualify for a new card from Discover after a year, but still haven't graduated yet!
Also... another thing... (know it doesnt help some)...
Discover is actually pretty quick to graduate if your eligible.... a lot of cards require at least 12 months to even 18mo if they graduate at all....
Know its hard to wait it out.... but i dont see why folks don't at least give them at least a year to graduate... if not. can try prequalifying if it doesnt graduate for a new card and just close the old one...
As to the stragglers, theres something else involving your credit report or they havent seen enough progress to graduate you... Only solution to that is time and cleaning up some baddies if there are any....
-J
I graduated at 14 months (had 2500 secured, no CLI at graduation despite heavy use), but at 12 pre-qualified for 19.99% and a 14.5k limit. So very much this. I just also got a pCLI on the old secured card (2500 -> 3200) as well as 9 months at 0.9%. So eventually it seems you can clear a bucket? @joltdude thanks again with all of the info/help as I went. I stuck it out because of you/your advice.
Is it dangerous to make a big transaction (funding new bank account) on Discover Secured just before my graduation time? My 7th statement is closing tomorrow. And I am opening new bank account now, have to pay initial funding. If I make $2,4k after this statement, with my credit limit of $2,5k, will it be a risk for the graduation?
