Lowest FICO Score for Discover Approval

[Jpmack29]

I gave up on discover. I have a clean record, minor blemish a few years ago set to fall off soon. Average credit scores that have gotten me cards. Applied twice with discover- once with a online prequalify and another with a mailed prequalify. Denied both times. Recon'd a lot with no resolve. Only thing they said was wrong was let my accounts age, I guess they didn't like my file. My Aaoa is just over two years. 1-10% utilization ect. I gave up, other better cards out there. Amex is my next goal gardening until then. Good luck tho

[taxi818]

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@Anonymous wrote:

Discover has been good to me lately.  They have a pre qualifier.  Go try it.

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Actually they don't have a pre qualifier. it is completly useless. as mickey mouse will qualify. but they  discover do like thin files and if not too many baddies. they will approve you.

[Anonymous]

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@Repairman wrote:

Interesting. How many lates do you have? What types of lates? And how recent are they? I have 2 or 3 lates from 10 months ago.

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I have 120+ day lates in two SL accounts in 2009. Also, 60/90 in june and july 2012.

There was a thread froma guy a week ago who had mid upper 700's and got $500 CL. spin the wheel I guess.

[Anonymous]

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@CreditCuriousity wrote:

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@Repairman wrote:

I'm curious as to the lowest known FICO scores out there that got approved for a Discover It card. I'm sitting in the high 600's with some late payment history from 10 months ago, and wondering whether I should pull the trigger on a Discover application.

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630's for some people for whatever reason

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Guilty.

[Anonymous]

I got mines with a 630 in November they pulled eq and ex. CL of 1500

3 months later my score went up to 740. Made me do a hard pull for only 500 dollar cli.

i used the luv button today and got it to 5000 via soft pull with a 760 tu score.

[Anonymous]

How'd you swing that Nixon?

[Anonymous]

I got my Discover sitting on about 670, but at the start it was only $750.

[TheGardner]

They are actually recommended for people with recent BK. But honestly they denied the hell out of me no matter the profile (haven't tried recently don't need them now) YMMV for real with them as others have said...

Hope they hit the right side of his dartboard when you apply, good luck!

[onstar]

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@Anonymous wrote:

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@CreditCuriousity wrote:

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@Repairman wrote:

I'm curious as to the lowest known FICO scores out there that got approved for a Discover It card. I'm sitting in the high 600's with some late payment history from 10 months ago, and wondering whether I should pull the trigger on a Discover application.

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630's for some people for whatever reason

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Guilty.

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Ditto. I had low 600s when I got my Discover in 2011. $1500 CL. At the time, I couldn't get any card with no AF.

[Anonymous]

Got mine as a prescreened offer my mail.  My file was started in June after being blank for years with an au card from Cap one with a $750 limit and a Wal mart au card with a $600 limit. Both were opened in June. In Sept a newly opened FBNO card with a $1300 limit with me as an au was put on my file. In Dec got the Discover approved with a $500 limit, the first card in my name on my piggybacked file. After clawing and digging got a $300 increase last week to $800.

My paperwork when I got the card said my EX score was 727. Of course I had a thin file and probably 20% utilization on it then which would account for the high score.