Thin file applying for iPhone upgrade program

[Anonymous]

Hi all,


So I started building my credit in August. I just have one credit card from Discover with a $1000 credit limit.

I was wondering if it would be an okay idea to apply for the iPhone upgrade program. I don’t have a FICO score yet because my account is too new. Does anyone know if I should wait a few months until I get a score or try applying now? I believe it’s a hard pull. Anyone been in a similar experience. I saw someone post that they got approved and they also have limited credit history.

[RSX]

I think you should wait until your score pops up.  I wouldn't apply for anything without having a score 

is the Discover Secured?  

[randomguy1]

You're basically applying for a personal loan with Citizens Bank. Might be a bit tough with limited credit.

https://www.citizensbank.com/ask-a-citizen/Q512575986/iPhone-Upgrade-Program-hard-or-soft-credit-pul...

[Anonymous]

Ahh okay. I’ll probably do that.


No the discover card is unsecured.

[joltdude]

I'd wait for your discover to get a CLI if you go this route....about 3+ months if it goes right...theres a good chance youll be able to snag your first CLI...

Im curious.. do you actually have a FICO score reporting yet?

What other cards do you have... If you already have a fruit device.. you could try the SP to see if they will give you a starter card....(soft pull)  They have been entertaining offers on both the new and experienced sides of the credit spectrum...

Yeah right now i wouldn't try for an IUP until youve had the discover for a bit.... at least untill the disco has been reporting for a few months... and (if you dont already) have a FICO score... 

[Anonymous]

Well I was stubborn and didn’t listen but wanted to provide a DP for anyone who is in a similar situation

I got approved! I am shocked. My file is very thin. As in I only have one month of good payments to Discover. I only have a vantage score and no FICO score that is able to populate just yet. Wondering what citizen loans criteria is. Maybe as long as you don’t have anything derogatory, you’re in.

[Anonymous]

I don’t have a FICO score currently. At least not one I can access. Discover provides them for free but every time I attempt to check it gives me an error message and says I don’t have one yet. Also checked with the Experian app which also says I don’t have one yet.


I have a vantage score that I check on credit karma but I’ve read very few lenders use vantage. That’s currently at 694.

[Rebuild2019]

Congratulations on your approval!!