(Update) Discover Graduated

[arkane]

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@Anonymous wrote:

My TU FICO went up over 150 points from when I got my IT Secured (around 550) to now (701) and no CLI love.  Discover is definitely NOT just FICO based for credit limits -- I know at least 3 folks with secured->graduated IT cards who now have higher limits than I do with way lower FICO8 TU scores according to Discover's free pull monthly.

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Discover is super weird, I had to fight tooth and nail to get a $2500 limit with a 780 EQ 8 when I've had my $15000 BoA CR for 5 years. Computer only approved me for $2000, and analyst sounded genuinely excited he got that increase to $2500 lol...

One of the theories I've seen thrown around is they want to be your daily driver and don't want to have to compete for usage, but that doesn't seem to hold up in your case either. It's also definitely not income based given what I've read on here and my own experience. Yeah Discover is a weird animal. :/ Right now I'm just using it for the 5% categories, and maybe will switch back to it once I've hit $5000 spend on the Uber card so I get 2% general cash back.

[Anonymous]

I started April 2017 with my DC . My 12th statement just cut today 3/21/2018 ...Discover card is still secured. When can I see a graduation email from them
Haven't went over limit
Haven't maxed out my card.
Used almost 90% but paid it off before statement cut.

[Shadowfactor]

If the scores in your profile are current.
They are probably a bit low for graduation. There seems to be a trend of about 630 and higher required for graduation.

Have you ever had any returned payments ? Or any kind of payment issues ?

[Anonymous]

Never late and never any return payments.

And yes my score TU 595 EQ 630 EX 620

[Shadowfactor]

Discover uses TU for graduation since that’s the score they show you in your account.

Being below 600 after 12 months is most likely the reason why. I would expect you to graduate once you TU score reaches 630-650 as long as you don’t have any new negatives between now and then.

[Anonymous]

Thank you shadowfactor I will try to see if I can get it up back again. Don't know how but hopefully someone on here has a great suggestion .

[Shadowfactor]

Lower Utilization,

incorporate AZEO

attack baddies through disputes/PFD

[Anonymous]

What is AZEO

[Shadowfactor]

All Zero Except One.

Basically you only let one card report a balance to the credit agencies every month.

Best to keep it around $10-$20. you want the balance reporting to be under 9% of the cards total limit