06-10-2013 09:32 AM - edited 06-10-2013 02:40 PM
Last week I applied for the Discover IT. Got the 7-10 day message, called CS and was explained my app was denied and I would receive notification of reason in the mail.
Today I received the letter and this is what it says:
Thank you for your recent Discover card application. After consideration, we are unable to approve your request at this time for the following reason(s):
APPLICATION IS CURRENTLY BEING PROCESSED
If you have any questions ... blah blah blah.
I chuckle at this bit of logic and leaf over to see what credit report was pulled and hopefully a score. To my surprise, this is the message:
You have a right to a free copy of your report from the reporting agency ... For a free copy of your credit bureau report, contact:
Huh? BTW, I reconned 2 days in a row last week after the initial 7-10 day notice and each time was told they can't approve (but not why).
Now, I'm not chuckling. I am scratching my head in utter confusion.
What gives? Anyone encounter this scenario before?
06-10-2013 09:40 AM
06-10-2013 09:45 AM
My reports are not frozen to my knowledge. I apped for Walmart on same day & was approved' apped Chase same day & waiting a decision pending verification process.
My reports do have a fraud alert on each I think & I am opted out of promos.
I plan to call soon, but want to wait a few days to give some baddies scheduled to delete this month to fall off, give myself a fighting chance at recon.
06-10-2013 09:49 AM
Maybe you were denied on a SP? I don't think you get a free report if they only SPed?
Good theory, but I have serious doubts Discover or any other lender SP's customer initiated apps, especially aa first app. That'd be sweet if they did!
06-10-2013 09:59 AM
06-10-2013 10:07 AM
The baddies are estimated to fall of thios month, no guarantee. I decided to go aheaad and app for the few cards I wanted to see 1) where my score is before the baddies fall off 2) take a chance on approval. I have a total of 5 inquiries in the past 2 years; I wasn't too worried about getting an additional 5 because I plan to garden after these apps are exhausted (denied or aapproved).
06-10-2013 10:17 AM - edited 06-10-2013 10:19 AM
I am confused why you say denied if its still being processed
You & I are both confused. The Discover reps say denied; the letter says denied; however, where usually the reason is a deliquincy, thin credit file, etc, the reason cited says "currently being processed" and that no credit report was used to make the decision. A simple mistake? Maybe. On whose part? Or is it indicative of some type of problem with my credit report or identifying information? I don't know. I hope to find out when I call. Was curious if this a first for the board.
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