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Discover rejection with 800+ credit scores?

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upnorth
New Contributor

Re: Discover rejection with 800+ credit scores?

I have all three of my credit files frozen all the time. Before I apply for a credit, I call and ask which credit bureau they use. I then go on-line and open up that particular one. Some times I just apply and they reply, we could not acess your xx credit bureau file. I go on-line, open it for a week and call and ask them to now access it. I prefer to keep it locked so that I do not have any risk of ID fraud. The hassle to open it is much less compared to the peace of mind I get from keeping it locked 

UNFCU Visa Azure $45k, Sams Master Card $35k, Amex Costco $25k, Fidelity Visa $25k, Chase Freedom $18k, Cap 1 Mastercard $12.5k, Kohls $1.5k, Cancelled on my own BA $25 (it was Schwab card earlier) and Chase Saffire $22k. Also have 2 business cards with Chase and 1 Amex Open. AU Target $2500.
Scores: 11/14 EX 801; 11/14 TU FICO 805; 11/14 Van 823
Message 21 of 24
s_haliz
Valued Contributor

Re: Discover rejection with 800+ credit scores?

Congrats!!!!!!!!!!!!!!!!!

TU FICO 850 | EQ FICO 850 I EX FICO 850
Message 22 of 24
localuser
Regular Contributor

Re: Discover rejection with 800+ credit scores?

Congrats! Discover has been very good to me, I've doubled my CL since June and got two auto CLIs from them in the last 9 months.
Cap1Secured $700 | Chase Slate $700 | Amazon Store $5000 | Discover IT $7000 | Lowe's $8000 | AmEx BCE $20000 | Freedom $3000
November 2014 (myFICOs): Equifax 717 TransUnion 725 Experian 717
January 2014 (myFICOs): Equifax 675 TransUnion 661 Experian 723
Message 23 of 24
Anonymous
Not applicable

Re: Discover rejection with 800+ credit scores?


@Anonymous wrote:
I decided to apply for Discover It card for the cash back offers. I carry no monthly debt and paid all of my balance is off, I have a relatively high income to debt ratio, andI have a home mortgage, a low auto payment, and a student loan. No late payments. I opened an amazon visa through Chase in the spring and have two inquiries. Any idea why discover rejected me??
Thanks For Sharing.Woman LOL
Message 24 of 24
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