LOWEST FICO FOR DISCOVER IT??

JamesKnox · ‎09-12-2013

Hey Family,

Quick question --- I currently have 627 Equifax Fico and I am trying to figure out if anyone has gotten the DISCOVER IT with a score around that?

I have 1 collection account, 2 inquires and 1 brand new secured bofa card (which hasn't even reported it's first balance) -- I'm assuming when it reports it's first balance, my score will jump to about 650-660.

So for those of you who have it -- what was your score when you got it and roughly what CL did you get?

Also....do they pull EQUIFAX?

Starting Score: (FICO)(August 29, 2013) 502(EQ) 568(EX) 549(TU)
Current Score: (FICO) (January 28, 2017) 712(EQ) 720(EX) 720(TU)
Goal Score: 720(EQ) 720(EX) 720(TU)
Amex Business Platinum NPSL | Chase Sapphire Preferred $15,000 | Chase Freedom $9000 | Amex ED $1,000 | BofACash Rewards $3100 | Amazon Store Card $4000

Anonymous · ‎09-12-2013

Use and Check Whogavemecredit.com

type discover and compare the scores.

GetTheFico · ‎09-12-2013

I got it a couple of weeks ago with a 658, they pulled EQ and EX. My CL is $1,400.

EQ: 780
EX: 767
TU: 779

youngandcreditwrthy · ‎09-12-2013

Saw someone in the 630-650 range, but they had higher income like 60-100k I think?

JamesKnox · ‎09-12-2013

I may try at about 680-690. im scared to try now because im a bit low but maybe over 650 would be good. I have about the 90k income as well but how do they know that? dont you just tell them your income?

Starting Score: (FICO)(August 29, 2013) 502(EQ) 568(EX) 549(TU)
Current Score: (FICO) (January 28, 2017) 712(EQ) 720(EX) 720(TU)
Goal Score: 720(EQ) 720(EX) 720(TU)
Amex Business Platinum NPSL | Chase Sapphire Preferred $15,000 | Chase Freedom $9000 | Amex ED $1,000 | BofACash Rewards $3100 | Amazon Store Card $4000

JamesKnox · ‎09-12-2013

You give me hope. hopefully i jump to 680ish so ill feel comfortable applying. do you have any baddies?

Starting Score: (FICO)(August 29, 2013) 502(EQ) 568(EX) 549(TU)
Current Score: (FICO) (January 28, 2017) 712(EQ) 720(EX) 720(TU)
Goal Score: 720(EQ) 720(EX) 720(TU)
Amex Business Platinum NPSL | Chase Sapphire Preferred $15,000 | Chase Freedom $9000 | Amex ED $1,000 | BofACash Rewards $3100 | Amazon Store Card $4000

09Lexie · ‎09-12-2013

More important than the score is what's on your report. If your only rev cc is 1 mo old, then you should wait 4-6 mos min

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JamesKnox · ‎09-12-2013

09LEXIE...

Even if I apply for STUDENT version?

Starting Score: (FICO)(August 29, 2013) 502(EQ) 568(EX) 549(TU)
Current Score: (FICO) (January 28, 2017) 712(EQ) 720(EX) 720(TU)
Goal Score: 720(EQ) 720(EX) 720(TU)
Amex Business Platinum NPSL | Chase Sapphire Preferred $15,000 | Chase Freedom $9000 | Amex ED $1,000 | BofACash Rewards $3100 | Amazon Store Card $4000

youngandcreditwrthy · ‎09-12-2013

I got approved w 688 eq. Got a $4k cl.
Hhi 149100

enharu · ‎09-12-2013

@JamesKnox wrote:
09LEXIE...
Even if I apply for STUDENT version?

Like what Lexie said, I would recommend you wait, just to be on the safe side.

If you want to take a bet and test your luck, you can always apply now, but if you want to minimize on the number of inquiries, wait.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).