Reply
Established Contributor
Posts: 697
Registered: ‎03-16-2012
0

DISCOVER CARD

would discover pull a different report if EQ is frozen??? has anyone tried this???


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Contributor
Posts: 77
Registered: ‎02-15-2012
0

Re: DISCOVER CARD

Discover actually pulled tu instead of eq for me. Apped a week ago.

AmEx Green NPSL | Barclays Rewards MC $4,200 | BofA 1-2-3 Visa $1,500 | Phillips Conoco 76 Gas Card $600 | AmEx BCE $25k | Discover IT $1,000
Moderator
Posts: 27,206
Registered: ‎09-13-2012
0

Re: DISCOVER CARD

Valued Contributor
Posts: 1,394
Registered: ‎01-14-2009
0

Re: DISCOVER CARD

I'm in New York. Discover pulled EQ for my app, and TU for my CLI.

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: DISCOVER CARD

They usually pull TU orrrr both.....EQ


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Established Contributor
Posts: 697
Registered: ‎03-16-2012
0

Re: DISCOVER CARD

I called them and they said i have to unfreeze my EQ ...oh well...no harm done


Starting Score: TU: 598 03/23/2012 EQ:607 05/24/2012 EX:607 04/26/2012 (lender pull) EX FAKO:522 03/2012
Current Score: TU(Myfico)04/2013:689 EQ(Myfico)04/2013:701 EX(AMEX pull)04/01/2013:675 (CreditSecure FAKOS) 5/14/2013 EX:726 EQ:701 TU:730 TU(Walmart):699
Barclay Rewards:5k/Cap1:$3.5k/Cap1:$2.5k/Citi TYP:2k/Freedom:$5k/Slate:3k/Marriott visa sig 5k/BCE:$1k/Zync: $500 PSL/Discover IT:$1.9k/Walmart:$8k/Chevron:$5k/Gap:$5k/Kay:$3.4kk



Established Contributor
Posts: 615
Registered: ‎02-17-2011
0

Re: DISCOVER CARD

Not true. I froze my EQ an made them pull TU. I was traveling and told them I didn't have my PIN to unfreeze. I said can u pull my TU. they said Sure! I did it when I applied for a second discover an they said yes again. I got denied though because of my recent discover approval. Don't take no for an answer
Amex Delta Gold $1000.00 CL; Discover $1000.00 CL; Gap Visa $4500.00 CL; AE Visa 4000.00 CL; Cap1 Quicksilver $2000.00; Walmart MasterCard $5,300.00; Sam's Club Mastercard $8500.00; Barclay's Rewards MC $3700; CITIBank Dividend Platinum $300.00 CL; AMEX PRG NPSL; Wells Fargo Rewards VISA $3,000.00 CL; Barclays AA Red Aviator MC $4000.00 CL; BOA Better Balance Rewards VIsa $1000.00 CL; Chase Freedom Visa $3,500; Venture $15,000; Venture One $10,000.

New Visitor
Posts: 1
Registered: ‎05-07-2013
0

Re: DISCOVER CARD

Hi folks! Im brand new to the Forum, looking for a bit of advice. Im looking to get a Discover Card, or other major card, hopefully with a 1K limit or above. No lates or other major or minor derogs last 5+ years; do have a Judgment for $2K on Experian and Equifax which will drop off November 2013.

 

3 low-limit cards, no lates, open about 14-15 months each. Unfortunatley, about 90% utilization on 2 cards, and about 150% utilization on one card, due to fees. Cosigner on auto lease, 14 months in, no lates. Fingerhut account, 8 months, no lates.

 

About $60K in Student Loans, no lates except ongoing dispute with one student loan servicer; has me 5 months late due to paperwork dispute. This has been removed from Transunion report. Currently making payments on some student loans under Percentage of Income plan at two other servicers, never late.

 

As of April; 664 TU / 644 EFX / 627 XPN

 

Any suggestions would be welcomed. Thanks.

Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0

Re: DISCOVER CARD

That judgement is going to work against you. It's best to wait until it falls off.

Also, your utilization ratio is way too high. You should pay it down and let 1 card report 1-5% utilization and rest 0 balance to maximize your chances. You won't get approved for anything with your current utilization and overlimit on one account
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Valued Contributor
Posts: 1,072
Registered: ‎02-06-2013
0

Re: DISCOVER CARD


discoversoon1 wrote:

Hi folks! Im brand new to the Forum, looking for a bit of advice. Im looking to get a Discover Card, or other major card, hopefully with a 1K limit or above. No lates or other major or minor derogs last 5+ years; do have a Judgment for $2K on Experian and Equifax which will drop off November 2013.

 

3 low-limit cards, no lates, open about 14-15 months each. Unfortunatley, about 90% utilization on 2 cards, and about 150% utilization on one card, due to fees. Cosigner on auto lease, 14 months in, no lates. Fingerhut account, 8 months, no lates.

 

About $60K in Student Loans, no lates except ongoing dispute with one student loan servicer; has me 5 months late due to paperwork dispute. This has been removed from Transunion report. Currently making payments on some student loans under Percentage of Income plan at two other servicers, never late.

 

As of April; 664 TU / 644 EFX / 627 XPN

 

Any suggestions would be welcomed. Thanks.


    I wa approved for Discover with very similar scores to yours. I was not approved immediately though. I had to call the recon line. I made a good case for myself explaining that I was rebuilding and I had an explanation for any baddies. They gave me a 1k limit although I didn't received the advertised starting incentives. I got 3.89 % interest for 6 months instead of 18 and a high APR after that. I didn't mind however and was thrilled to have obtained my "first" prime card. I say first because I used to be rich way back when and had Amex, chase, Citi, etc...

390/14001100/13001500/15001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632.. If youlike this could you please give me a kudo by clicking that blue button over to the left? Thanks.Link to my Rebuild Log
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.