Odds of discover approval

Mish0817 · ‎02-20-2013

My Eq score is 681 The cos with flags fall off 2014. I have one small collection for 192 that also falls off in 2014 I a will pay for delete. What are odds of getting approval for discover?

Us bank card is secured with 300 limit

income 61000

AccountsCompany Account number Date opened Balance Status Negative Indicator? [?]

Us Bank		11/2012	$45	Pays account as agreed	No	Details
Ncm	XXXXXX1335	11/2006	$0	Pays account as agreed	No	Details

Wfhm	XXXXXXXXX9356	12/2004	$0	Pays account as agreed	No	Details
Cap One		11/2004	$0	Bad debt/collection		Details
Cap One		9/2002	$0	Bad debt/collection		Details
Bk Of Amer		9/2004	$0	Bad debt/collection		Details
Wfhm	XXXXXXXXX8700	10/2002	$0	Pays account as agreed	No	Details
Citifnauto	XXXXXX2701	6/2002	$0	Pays account as agreed	No	Details

Eq 675
TU 681
Ex your guess is as goodas mine!

Nfcu Cash Rewards 15000, Nfcu nRewards Mc 15000, Walmart 600, Target 400, VS 650,Capital one 3750, Us Bank 300, Discover 4500,Citi DP 1500, Chase Freedom 2000. And I'm done...... no more cards just going to tend my garden

sonson · ‎02-20-2013

I tried applying for discover, but was denied because of 2 collection accounts. Good luck on your decision. Hopefully someone can chime in if Discover is collection sensitive.

Starting Score: EQ 548 [ Feb 2010 ]
Current Score: TU 663 EQ 686
Goal Score: 700

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09Lexie · ‎02-20-2013

I applied in Nov with 2 small accounts and was denied. My CS was 697 on the letter I received. In Dec, one CA fell off, I applied in Jan and was approved for $2500. My CS was 707- the second CA will fall off in March.

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injustifiiable · ‎02-21-2013

@sonson wrote:
I tried applying for discover, but was denied because of 2 collection accounts. Good luck on your decision. Hopefully someone can chime in if Discover is collection sensitive.

+1...I had 3 bad accounts, all paid, and was denied for Discover because of those. Two of them will fall off this year and that's when I'll try again.

Duncanrr · ‎02-21-2013

Why as those collections still on your report. They seem to be past the 7 yr reporting period.

Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 808 TU --- EX --- CK 804(FAKO-EX 821, EQ 823, TU 803)
Goal Score: 750
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dodgerslv · ‎02-21-2013

I got approved back in August and they went by my TU score (said it was 687 according to letter). Have one small ($51) paid collection which was only about a year old and 3 CC chargeoffs (2 paid, 1 unpaid ) from 2006/2007. My Equifax score at that time was 683. Hope that helps

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distantarray · ‎02-21-2013

@Duncanrr wrote:
Why as those collections still on your report. They seem to be past the 7 yr reporting period.

those are date openned not date it went into collections he says it will fall off in 2014 so it probably charged off around 2007

Also remember if he lives in NY it should already be removed.5 years in NY

total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758

Mish0817 · ‎02-21-2013

Yes from 07, I live in CA so 7.5 years I am half tempted to just apply to see what happens. But the other half says just hold on a bit longer.... Lol

Eq 675
TU 681
Ex your guess is as goodas mine!

Nfcu Cash Rewards 15000, Nfcu nRewards Mc 15000, Walmart 600, Target 400, VS 650,Capital one 3750, Us Bank 300, Discover 4500,Citi DP 1500, Chase Freedom 2000. And I'm done...... no more cards just going to tend my garden

LS2982 · ‎02-21-2013

@Mishwatson wrote:
My Eq score is 681 The cos with flags fall off 2014. I have one small collection for 192 that also falls off in 2014 I a will pay for delete. What are odds of getting approval for discover?
Us bank card is secured with 300 limit
income 61000
AccountsCompany Account number Date opened Balance Status Negative Indicator? [?]
Us Bank 11/2012 $45 Pays account as agreed No Details
Ncm XXXXXX1335 11/2006 $0 Pays account as agreed No Details

Wfhm XXXXXXXXX9356 12/2004 $0 Pays account as agreed No Details
Cap One 11/2004 $0 Bad debt/collection Details
Cap One 9/2002 $0 Bad debt/collection Details
Bk Of Amer 9/2004 $0 Bad debt/collection Details
Wfhm XXXXXXXXX8700 10/2002 $0 Pays account as agreed No Details
Citifnauto XXXXXX2701 6/2002 $0 Pays account as agreed No Details

I would say not good. Your better off letting those collections drop off and upping the deposit on your secured card then apping in 2014.

EQ FICO 548 3/3/16