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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
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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: 26,788
Registered: ‎09-13-2012
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Re: DISCOVER CARD

Valued Contributor
Posts: 1,378
Registered: ‎01-14-2009
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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
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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: 556
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 DISCOVER $4,000.00; Sam's Club Discover $8500.00; Barclay's Rewards MC $3300; CITIBank Dividend Platinum $300.00 CL; AMEX Green NPSL; Wells Fargo Rewards VISA $3,000.00 CL; Barclays US Airways Platinum MC $4000.00 CL; BOA Better Balance Rewards VIsa $1000.00 CL.

New Visitor
Posts: 1
Registered: ‎05-07-2013
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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: 1,061
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...

0/10001100/13001346/16001699/2000Prepaid ,,Recent scores:FICO EX 632,EQ 635,TU 632...Link to my Rebuild Log

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