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Denied Discover IT

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New Contributor

Denied Discover IT

I applied for Amex Delta Gold Sky Miles and Discover IT the same day a couple of days ago. I was approved for the Amex with $1000 limit, they pulled my Experian report which is a 626. I tried the pre qualify on the the discover website and it showed Discover it so applied and was denied. I instantly got a notification for hard pull on Experian. I called Discover up and asked why I was denied and she explained they pulled my Experian and Equifax and decided to use the Equifax report (which is also a 626) because they like them more. My Equifax has a charge off and shows a low available credit ratio and she said that’s why I was denied. It’s wierd because I see no hard pull at all on my Equifax report and also would think Amex is harder to be approved for.
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Super Contributor

Re: Denied Discover IT

Getting an Amex at 626 is hard enough, getting a Discover as well might have been pushing the limits of the credit godsSmiley Wink. Discover has approved low scores before but very much at their discretion. Discover is and to me anyway a magic eight ball shake away from determining when one gets approvedSmiley Wink
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New Contributor

Re: Denied Discover IT

Lol I agree as I was shocked I was approved for the Amex. I’m going to treat that card very well and continue to improve my score. Goal is to get a Discover next.
Message 3 of 5
Valued Contributor

Re: Denied Discover IT

Its not uncommon for a bank to HP one CRA and also SP another at the same time.  Comenity Bank does it all the time



3/16 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>11/17 CCT EX 735 TU 807 EQ 716
You are only young once, but you can be immature forever
Message 4 of 5
Established Contributor

Re: Denied Discover IT


AverageJoesCredit wrote:
Getting an Amex at 626 is hard enough, getting a Discover as well might have been pushing the limits of the credit godsSmiley Wink. Discover has approved low scores before but very much at their discretion. Discover is and to me anyway a magic eight ball shake away from determining when one gets approvedSmiley Wink

No kidding. I'm still amazed I got a $2500 Discover IT in March with my TU in the 620's (it's close to 660 nowadays).

Ch 7 BK discharged 12/14, well along in rebuilding credit. FICO 11/2/17:TU 660/EX 694/EQ 688 FICO 8 (Aug 2017) or 680 FICO 9 (Penfed Sep 2017), VS 3.0 11/7/17: TU 704/EX 690/EQ 697. $32.3K revolving credit as of 11/7/17; $951 Cap One secured Platinum MC, $2000 Apple FCU Platinum Visa,$3500 Amazon Prime Store Card, $3500 Walmart Store Card, $3500 Cap One Quicksilver MC, $3600 Discover It, $4000 Care Credit, $4300 Overstock Store Card, $7000 Penfed Power Cash Rewards Visa, $10k PenFed used car loan, $5k Navient student loan. In the garden again from 10/26/17 for at least the next 3 months unless I get a really really good preapproval.
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