Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 747
Registered: ‎03-16-2012
0

DISCOVER CARD

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


Starting Score: TU: 481 12/30/2015 EQ:561 12/30/2015 EX:532 12/30/2015 (MYFICOS) BK FILED: 09/2015 DISCHARGED 12/2015 -- TU:515 EQ: 561 EX: 544 01/30/2016
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: 27,207
Registered: ‎09-13-2012
0

Re: DISCOVER CARD

Valued Contributor
Posts: 1,437
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: 747
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: 481 12/30/2015 EQ:561 12/30/2015 EX:532 12/30/2015 (MYFICOS) BK FILED: 09/2015 DISCHARGED 12/2015 -- TU:515 EQ: 561 EX: 544 01/30/2016
Highlighted
Established Contributor
Posts: 705
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 Skymiles $1000; Amex Hilton Honors $1000 Amex SPG $2000 Amex PRG NPSL Chase Freedom 3.5K Chase Southwest Premier Plus 16K Chase United Explorer 11K Chase Marriott 11K Chase IHG Club Select WMC 11K Discover $3K Gap Visa $5.5K; AEO Visa $5K Walmart MasterCard $5.3K Sam's Club Mastercard $8.5K Barclay's Rewards MC $5.4K Wells Fargo Rewards VISA $3K Barclays AA Silver Aviator MC $4K Priceline Visa 4K Venture $15K Venture One $10K Quicksilver Visa Siggy $5K
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: 1,084
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...

259/21001600/16002400/25002000/2000,2013 Scores (Initially none cause I had no credit at all then TU:519 Recent scores:FICO EX 632,EQ 635,TU 659....Link to my Rebuild Log

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

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.