Discover IT- Need Joint App Advice?

[Te3030]

Discover says I need a Joint App, the only person I would do joint with is my spouse. The issue is, back in August my Spouse applied and was told the same thing, need a joint app. Should we apply together or just wait?

The reason behind the Joint app was a paid tax lein, we both have that. No other negatives though, but just started establishing credit in June 2014.

[ojefferyo]

That's a pretty intesting situation, I would just give them a call and explain the situation and see if it's worth apping again

[capitalkid]

Weird I dont see anywhere on the app where there is a spot for a joint applicant. There is a spot for an additional user . I thought I read credit cards except for CU 's don't do joint applications for cards anymore. I also thought I read they don't do co-signers either. I would verify that in writing if I were you.

[ojefferyo]

It may be something you have to do over the phone with them, I've never done it so I can't really give you any advice on it.

[tallchick]

I had the same thing and when I added my hubby I was still denied, could be that we had purchased a home recently.  I think they dislike tax liens....paid or not!! Try calling you might get better answers.  Good luck and keep us updated on your outcome!

[Skye12329]

Since both applications say that. Its a possibility it could still be denied. Bascially the joint app is asking for someone who has a better credit profile in the event of you not paying. Its like a co signer.

[BearsAndTurtlesRtheBest]

---

@tallchick wrote:

I had the same thing and when I added my hubby I was still denied, could be that we had purchased a home recently.  I think they dislike tax liens....paid or not!! Try calling you might get better answers.  Good luck and keep us updated on your outcome!

---

+1

[BearsAndTurtlesRtheBest]

---

@Skye12329 wrote:
Since both applications say that. Its a possibility it could still be denied. Bascially the joint app is asking for someone who has a better credit profile in the event of you not paying. Its like a co signer.

---

+1