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

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Regular 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
Frequent 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: Sept 25, 2019:
Goal for December 2019: FICO 640-700
Overstock Store Card, $2,250Walmart Store Card, $500 limitDiscover IT Cash Back, $2000Navy Fed cashRewards, $1000Shell Citi store card, $800Navy More Rewards, $17,000RIP Green Dot Platinum
Overstock $2,250, Walmart $500, Discover IT Cash Back $2000, Navy Fed cashRewards $1000, Shell (Citi) Fuel Rewards, $800, Navy More Rewards, $17,000, (Green Dot Platinum Secured, $200, to be cancelled.)

Starting Score: 539
Current Score: 659
Goal Score: 760


Take the myFICO Fitness Challenge   |   My credit recovery journal

Message 12 of 16
Highlighted
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 NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

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





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
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 NPSL | BCP | Delta Gold | Hilton Surpass | Hilton Honors | IT Cash | IT Chrome | Quicksilver | Target | VS | Home Depot | Lowes | Firestone | Wayfair | Overstock | Kohl’s

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





Entering the garden 5/27/2019, staying until 2020
(Lol so much for that grand plan...)
Message 16 of 16
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