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Discover Secured Graduation?

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New Member

Re: Discover Secured IT Graduation (Data Points)

Ah geez. I'm sorry to hear this. Yeah, that makes no sense to me. I'm sure there is some sort of algorithm but I'm equally sure we'll never figure it out. Please update us when you graduate!
Message 81 of 402
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Frequent Contributor

Re: Discover Secured IT Graduation (Data Points)

Meant to say my experian jumped to 645 after my wife’s card graduated, my AU and the CL increased on it. NerdWallet has my TU at 647 depending on how accurate that is, and that again was after the NFCU graduated.
Message 82 of 402
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Frequent Contributor

Re: Discover Secured IT Graduation (Data Points)

Just had my 10th statement cut today and still secured, though I know it may take a few days if I'm fortunate to graduate this time.  I'll keep an eye on it until the end of the week and then I'll know.

 

Not sure what else I need to do.  We charge it up to about 80-90% of the limit but make at least two big payments to pay the statement balance each month.  Heck, the last payment I made was $800 at the end of last week.  That's the usual for this card for us.

Message 83 of 402
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Frequent Contributor

Re: Discover Secured IT Graduation (Data Points)

Here's something interesting.  I wonder if my card is in the process of graduating?  Reason I ask is because if I try to do a prequalify on Discover's website I get an "Oops, something went wrong."  Where before it would tell me there wasn't anything since my current card is so new.  When I try with my wife's info I get the page that states that there isn't anything because she just got approved for a new card of her own.

Message 84 of 402
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Regular Contributor

Re: Discover Secured Graduation?

Anyone know the next time they review for CLI's after the bump to $2000? Think like 2500 is next milestone
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 85 of 402
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Established Contributor

Re: Discover Secured Graduation?

2 statements after graduation to $2000 unsecured CL and no auto love nor with the luv button. Maybe the 3rd statement will be the good luck charm... or not. I will update 💪🏼

Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 620 TU8: 645 EX8:640
Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA: 7YRS 6MONTHS AAOA: 2YR 6MONTHS
Inquiries in 12 months: EQ: 1 TU: 1 EX: 1
CLOSED: Self Lender 12Month CD: June 20th 19’


Goal: Auto Lease 2020 Jeep MOAB
Goal: Chase Sapphire Preferred
Goals Achieved Nov 19’: First Chase CC, Marriott Bonvoy w/ lowest APR rate of 17% Total CL:$18,000
Message 86 of 402
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New Member

Re: Discover Secured IT Graduation (Data Points)

Hey Freshintn,

 

Since we graduated the same day, I'm curious if you've received your deposit back from Discover yet?  The, "Congrats, you've graduated" e-mail said 5-7 business days and we're now at 10 business days, 14 calander and I haven't seen anything.

 

Thanks! 

Message 87 of 402
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Established Contributor

Re: Discover Secured IT Graduation (Data Points)

I'm only 5 statements in. Thanks for the datapoints.
Starting Score: EX 641 TU 631 EQ 669
Current Score: EX 714 TU 718 EQ 713 (EQ9 735)
Goal Scores: 750


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Message 88 of 402
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New Member

Re: Discover Secured IT Graduation (Data Points)

mthrasher16: Yes, I received a check just a few days after getting the email. You may want to contact Discover. 😬
Message 89 of 402
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New Member

Re: Discover Secured IT Graduation (Data Points)

XtraCredit: You're welcome! Only a couple more to go! 🤞🏻🤞🏻🤞🏻
Message 90 of 402
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