Pissed at Discover.

raquelmister · 06-20-2007, 10:53 AM

My score just shot up 25 points and I'm excited!

Just wondering if most people here have fair good bad or excellent credit, I am a little upset that Discover declined me. I wanted the 5% back damnit. Who do they think they are?:mad:

Anyone else want to share their experiences with Discover?

ward · 06-20-2007, 11:02 AM

mine is only 7

normtrum · 06-20-2007, 11:08 AM

None of your business. Joking.......kind of.

ZuerstBMW · 06-20-2007, 11:10 AM

725 is great. Mine is just a tad higher.

TahoeOG · 06-20-2007, 11:19 AM

i used to have bad credit when i was in my teens because i would give in to sport illustrated commercials and columbia house cd offers... I was in the low 500..... Anyway i finally matured up and now i'm in the mid 650's.... Last time i checked was like 3 months ago, so i'm pretty sure it's getting a bit higher since i'm continuing to make my car payments on time and stuff.

UncleWede · 06-20-2007, 11:23 AM

We were over the 750 when we refied about 2 years ago. Wife just bought a house with her sister and she was pushing 800, they didn't run my credit since I had to quitclaim the house for her to buy with her sister.

raquelmister · 06-20-2007, 11:24 AM

Quote:

Originally Posted by UncleWede

We were over the 750 when we refied about 2 years ago. Wife just bought a house with her sister and she was pushing 800, they didn't run my credit since I had to quitclaim the house for her to buy with her sister.

Man, I can't wait to hit the 800's!!! No one will be able to stop me then. lol

TahoeOG · 06-20-2007, 11:32 AM

i want to reach 700.. i should be there soon = D

If i keep doing everything right.

I have no experience with discover.. I know not a lot of places accept them, and that's it... I think Visa, Mastercard, and American Express are good. I personally have 2 store cards (macy's, bloomingdales) and now two credit cards (HSBC, Citi)... that's it.. i'm waiting for my score to be up in the 750's to apply for american express blue.. I believe they have great rewards.

I'm planning on buying a home though, and i've heard that lowers your credit score by like 20 points when you get the loan. True?

CALIF65GM · 06-21-2007, 12:06 AM

Right around the 750 mark here. Some quarters just north and some quarters just south.

UncleWede · 06-21-2007, 02:14 AM

We effectively re-bought the house during the refi, and our scores went up. I don't watch it closely enough to know week by week what my purchases do. It's the history of never having skipped out on a payment, and having used credit in the past wisely that keeps it rising.

06-20-2007, 10:53 AM	#1
raquelmister Private 13 Rep 50 Posts Drives: 2007 328i E90 Join Date: Apr 2007 Location: New Jersey iTrader: (0)	Pissed at Discover. My score just shot up 25 points and I'm excited! Just wondering if most people here have fair good bad or excellent credit, I am a little upset that Discover declined me. I wanted the 5% back damnit. Who do they think they are?:mad: Anyone else want to share their experiences with Discover? __________________ 2007 328i E90 Artic Metallic \| Beige Dakota Leather \| Light Poplar Natural Wood Trim \| Blacklines Premium Package \| Automatic Transmission \| 3 Stage Heat Seats \| Comfort Access Last edited by raquelmister; 06-20-2007 at 11:26 AM..
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06-20-2007, 11:02 AM	#2
ward Major General 159 Rep 6,158 Posts Drives: F Join Date: May 2005 Location: T iTrader: (0)	mine is only 7
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06-20-2007, 11:08 AM	#3
normtrum Colonel 52 Rep 2,225 Posts Drives: e90 335i, e46 330i Join Date: Feb 2007 Location: PNW iTrader: (1)	None of your business. Joking.......kind of.
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06-20-2007, 11:10 AM	#4
ZuerstBMW ¡Viva España! 394 Rep 7,803 Posts Drives: 24 G20 330i Skyscraper Gray Join Date: Mar 2006 Location: Tampa, FL. iTrader: (68)	725 is great. Mine is just a tad higher. __________________ 24 G20 330i Skyscraper Gray Metallic Black, Open Pore Fine Wood Oak Grain Interior Trim MODS Clear Guard, 15% Ceramic Tint, Floating Caps
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06-20-2007, 11:19 AM	#5
TahoeOG Major 83 Rep 1,207 Posts Drives: e92 335i Join Date: Nov 2006 Location: NJ iTrader: (1)	i used to have bad credit when i was in my teens because i would give in to sport illustrated commercials and columbia house cd offers... I was in the low 500..... Anyway i finally matured up and now i'm in the mid 650's.... Last time i checked was like 3 months ago, so i'm pretty sure it's getting a bit higher since i'm continuing to make my car payments on time and stuff. __________________ Selling my winter setup, Hit me UP!
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06-20-2007, 11:23 AM	#6
UncleWede Long Time Admirer, First Time Owner 18460 Rep 9,428 Posts Drives: G01 X3 M40i Dark Graphite Join Date: Jun 2005 Location: Oxnard, CA iTrader: (0)	We were over the 750 when we refied about 2 years ago. Wife just bought a house with her sister and she was pushing 800, they didn't run my credit since I had to quitclaim the house for her to buy with her sister.
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06-20-2007, 11:32 AM	#8
TahoeOG Major 83 Rep 1,207 Posts Drives: e92 335i Join Date: Nov 2006 Location: NJ iTrader: (1)	i want to reach 700.. i should be there soon = D If i keep doing everything right. I have no experience with discover.. I know not a lot of places accept them, and that's it... I think Visa, Mastercard, and American Express are good. I personally have 2 store cards (macy's, bloomingdales) and now two credit cards (HSBC, Citi)... that's it.. i'm waiting for my score to be up in the 750's to apply for american express blue.. I believe they have great rewards. I'm planning on buying a home though, and i've heard that lowers your credit score by like 20 points when you get the loan. True? __________________ Selling my winter setup, Hit me UP!
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06-21-2007, 12:06 AM	#9
CALIF65GM Colonel 101 Rep 2,041 Posts Drives: e93-35 May08 ED Join Date: Jun 2005 Location: SF, CA iTrader: (0) Garage List 06 - Oct. 05 build ... [0.00]	Right around the 750 mark here. Some quarters just north and some quarters just south. __________________ 5-2-08 e93-35 ED Montego w/Jade Grey, Step w/Paddles, PP, SP, CA, hot seats and iPod.Awaing re-delivery soon. Debadged 330xi ED 11/14/05 Auto/Mystic Blue/Gray leather with Alum/PP/SP/CA/Fold-down rear seats/Alarm. Sold to Carmax on 6/7/08 with 50,624 miles on clock
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06-21-2007, 02:14 AM	#10
UncleWede Long Time Admirer, First Time Owner 18460 Rep 9,428 Posts Drives: G01 X3 M40i Dark Graphite Join Date: Jun 2005 Location: Oxnard, CA iTrader: (0)	We effectively re-bought the house during the refi, and our scores went up. I don't watch it closely enough to know week by week what my purchases do. It's the history of never having skipped out on a payment, and having used credit in the past wisely that keeps it rising.
	Appreciate 0 Quote