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LOWEST FICO FOR DISCOVER IT??

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fixingitohio
Contributor
‎09-13-2013 08:29 AM
‎09-13-2013 08:29 AM

Re: LOWEST FICO FOR DISCOVER IT??

Got an IT ($1000CL) in April with a 636 EQ (from here) and a new job (went from 48K to 90K income).

 

Only other revolver at the time was WM.  Lots of resolved baddies.

 

They took a chance on me during my rebuild.  We treat each other well.

 

Starting Score: 640 TU / 593 EQ / 596 EX (3/1/13)
Current Score: 695 TU / 725 EQ / 673 EX (11/7/13)
Goal Score: 720 across the board

Take the myFICO Fitness Challenge
Message 21 of 25
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JamesKnox
Regular Contributor
‎09-13-2013 08:34 AM
‎09-13-2013 08:34 AM

Re: LOWEST FICO FOR DISCOVER IT??

@Jason

 

What's you AAoA and what cards did you have prior to applying?

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
Message 22 of 25
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jason7613
Established Member
‎09-13-2013 08:46 AM
‎09-13-2013 08:46 AM

Re: LOWEST FICO FOR DISCOVER IT??

To e honest I don't know the AAoA exactly but I would say between 8-10 yrs with a couple old paid off cos that are still reporting for another couple of yrs and a few lates as well.
I think it's a matter of the lates and CO's aging, and I didn't apply for anything but a secured card in the past 2 yrs.

This week I applied and got instantly approved for:

Barclays card 500
Cap one - 2000
Discover 5000
Amex blue - 10000

That's my limit as I'm just trying to have credit available as I haven't in a long time besides a car loan and student loans.
Message 23 of 25
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JamesKnox
Regular Contributor
‎09-13-2013 08:54 AM
‎09-13-2013 08:54 AM

Re: LOWEST FICO FOR DISCOVER IT??

Wait...you got AMEX BLUE with a 636 FICO????

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
Message 24 of 25
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jason7613
Established Member
‎09-13-2013 09:02 AM
‎09-13-2013 09:02 AM

Re: LOWEST FICO FOR DISCOVER IT??

No that was the guy that posted the first post of the new pg. I said in my post (last post of pg 2) that my ficos were between 690-700
Message 25 of 25
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