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20 Point jump in FICO score, PreQual for Discover IT (UPDATE: Approved)

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Contributor

Re: 20 Point jump in FICO score, PreQual for Discover IT

Congrats on the new Disco card!




Starting FICO-8 as of February, 2019:

Current FICO-8 as of June, 2019:




*Gardening until 2020



Message 11 of 16
Highlighted
Regular Contributor

Re: 20 Point jump in FICO score, PreQual for Discover IT


@FireMedic1 wrote:

Congrats! Hit em up for a SP CLI after 90 days. And again every 30 days after statement cuts. Once you hit their top end for you then it will slow down. You could be 3k or more by then.


Thanks so much, FireMedic1, this is so good to know! And thanks everyone for your congrats! Cat Happy

 

I'll be looking forward to a CLI, but after being constrained by $200-250 limits, $800 feels fabulous! Of course I know more available credit is going to help my overall utilization (and boy, could I use help with that! Cat Wink ) but at the same time, I've got no need for multiple tens of thousands in credit. A $3000 limit sounds fantastic to me and perfect for my needs! I'll look forward to getting there! 

FICO8: Nov 20, 2018:
FICO8: July 1, 2019:
Goal for December 2019: FICO 640-700
Green Dot Secured, $200 limit  Overstock Store Card, $250 limit Walmart Store Card, $200 limit Discover IT Cash Back, $1500 limit
Navy Fed cashRewards, $1000 limit
Green Dot Secured $200, Overstock $250, Walmart $200, Discover IT Cash Back $1500, Navy Fed cashRewards $1000

Starting Score: 539
Current Score: 662
Goal Score: 760


Take the myFICO Fitness Challenge   |   My credit recovery journal

Message 12 of 16
Regular Contributor

Re: 20 Point jump in FICO score, PreQual for Discover IT

So I had no idea that Discover or any Credit Card site had something like a pre qualified app? I just read your thread opened up a new tab. Went  straight to Discovers website and applied. It took about a minute, And i got the same approval for the two cards. But a APR of 23.24% and 14 months 0% APR.  Thanks for the info, Ill pass right now on the card. But if you or anyone else knows of any more sites like that. Please share.

Message 13 of 16
Valued Contributor

Re: 20 Point jump in FICO score, PreQual for Discover IT

There are prequal pages for Discover, Citi, Bank of America, American Express, Chase, Capital One, and others. Just google “(bank name) prequalify” and you’ll get links.


Rose Gold/BCP/Delta Gold/Hilton Ascend/Hilton Honors | IT | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Kohl’s

Heir apparent to the SJ Special (finally got a Disco CLI of $300)

5/24, 1/24, 76445/24, who cares #ratherhaveAmex





Entering the garden 5/27/2019, staying until 2020
Message 14 of 16
Regular Contributor

Re: 20 Point jump in FICO score, PreQual for Discover IT

Yeah I did just that after i wrote my post. If only they told you what range of a SL you'd get i might jump. I really want a American Express card. And it approved me for the Gold. So temping but not worth it at the moment without knowing what my SL would be. 

Message 15 of 16
Valued Contributor

Re: 20 Point jump in FICO score, PreQual for Discover IT

It would be nice to have an idea of the SL wouldn’t it? One of the many things on my credit wish list...


Rose Gold/BCP/Delta Gold/Hilton Ascend/Hilton Honors | IT | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Kohl’s

Heir apparent to the SJ Special (finally got a Disco CLI of $300)

5/24, 1/24, 76445/24, who cares #ratherhaveAmex





Entering the garden 5/27/2019, staying until 2020
Message 16 of 16