Odds of getting Discover it card?

[afr4life06]

I have made it a goal of mine to get this card. I wanted to get some feedback on what the odds could be. I know they are very unpredictable from what I have read, I am just hoping to find someone who has gotten approve with the same background as me.

Available credit: 2950

Overall Credit: 3650

HhGregg: 700/2000

Fingerhut: 0/1300

walmart:0/100

buckle: 0/250

1 capital One Charge off of 289

credit score(Fico) as of 6/25: Eq 620 TU 619 Ex: ?

i just paid all my card balances down to zero to make my uti look good. I left the Hhgregg at 700 for now. I haven't gotten the new credit scores for this month b/c TU takes so long to update. So I figured once the CB has been updated on my utilization gone down, which would boost my score to what I hope are 640+ I should be in good shape for the discover it card. Any feedback would be great. Thanks

[coldnmn]

Utilization is figured on individual cards as well as total utilization of your cards. For your best score and chances of  approval in my opinion have only one card report a balance from 1% to 9% utilization. Good Luck on your credit journey!

[nachoslibres]

Anyway to get the CO removed, maybe by paying for deletion?  With those scores you may get approved for the IT but they look a little low IMO.

[Florida1990]

Discover is really hard to please try to clean up whatever you can! low utilization make a payment on a baddie and apply in a few months.

[afr4life06]

Thank you all. I have tried to get a pay for deletion with Capital One, no luck. They sent it to a collection agency which hasnt shown on my report yet, so i was going to pay the collection agency to make sure it doesnt show on my report and try to goodwill capital one

[ddemari]

I really want to apply for Discover IT but I think with my EQ Fico of 650 I will get denied

Currently I have;

Bank of America Cash Rewards Visa- 3000 limit - O balance 

Barclay Apple Visa - 1000 limit - 0 balence

Capitalone Quicksilver One Mastercard- 4k limit - 220 balance

Merrick Bank Visa - 1500 limit - 0 balance

Gap card - 500 limit - 0 balance

Amazon store card - 0 balance 1200 limit 

Target redcard - 300 limit - 0 balance

AAOA - 5.5 years, History 12 years. 

I use all these cards monthly but PIF multiple times a month and let the card close with a zero balence. I have about 1% revolving utilization.

I have some baddies from 2010, 3 chargeoffs - 2 paid. And a bankruptcy that will fall off report in November 2014. 

I need to garden for another 6 months but its just so hard!

[afr4life06]

I think you would get approved, but hey what do i know. That itch to app is so stressful lol. I just want to do and get it over with but i know in order to make sure I dont regret it, I want to be at my best credit wise before I go for it

[Superman85]

I would garden for 6 months. In my experiance Discover is picky about baddies. I was denied with my scores around 650.