topic Re: What are my chances for Discover?? in Credit Cards

What are my chances for Discover??

jmco — Tue, 09 Oct 2012 03:21:36 GMT

Question.....if I was pre approved for discover what are the chances a final approval will happen especially when I had discover charge offs in 2008 that were since paid/settled in 2010...don't want to waste a HP

What are my chances for Discover??

Revelate — Tue, 09 Oct 2012 03:21:59 GMT

jmco wrote:
Question.....if I was pre approved for discover what are the chances a final approval will happen especially when I had discover charge offs in 2008 that were since paid/settled in 2010...don't want to waste a HP

Shouldn't be an issue to my knowledge. Discover is very generous with giving people second chances from what I've read here anecdotally, including to folks that had chargeoffs that were never resolved.

For others to chime in, I'll request this get moved to a seperate thread.

Re: What are my chances for Discover??

LIGHTNIN — Tue, 09 Oct 2012 03:29:41 GMT

"OP, I split your post to form a new one here. I had to edit the title, but changed nothing else. If you'd like to change the title, click "Options" and then "Edit Message".

Re: What are my chances for Discover??

Creditaddict — Tue, 09 Oct 2012 04:59:49 GMT

If you got Pre-Approved I have not seen that not be an instant approval! DO IT!

Re: What are my chances for Discover??

youngandcreditwrthy — Tue, 09 Oct 2012 15:36:33 GMT

depends on your score, I'd say... I wouldn't do it if you aren't at least at 620 or so.. even then... idk...

Re: What are my chances for Discover??

jcstarkey8826 — Tue, 09 Oct 2012 15:48:36 GMT

We have almost the same scenario.. Charge off in 2008 and paid in 2010... I dont know how much your debt with them was, but mine was $573. My score was 663, it was a TU pull from them, AAOA was 4 years, declined due to previous account status.

Hopefully yours will be different. Im opted out, so I dont get pre-approvals. That sounds like a good thing to me though. Id try it!

Re: What are my chances for Discover??

LS2982 — Tue, 09 Oct 2012 15:55:25 GMT

Pre approval is most certainly not a guaranteed approval. It's strictly YMMV.

Re: What are my chances for Discover??

RockinRay — Tue, 09 Oct 2012 16:21:46 GMT

LS2982 wrote:
Pre approval is most certainly not a guaranteed approval. It's strictly YMMV.

+1 - you score seems a bit low to me for a Discover. I would think twice about this - even with your pre-approval!

Re: What are my chances for Discover??

jmco — Tue, 09 Oct 2012 16:33:21 GMT

thanks for putting this in it's own thread - sorry about making that mistake!

and thanks to everyone else for the input.. I am going to wait a while and continue to work on the reports to clear stuff up before going that route... don't want to waste a HR!

:smileywink:

Re: What are my chances for Discover??

Jlu — Tue, 09 Oct 2012 17:13:54 GMT

Is your current score really 561?