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DISCOVER DENIED - REASON SOLVED

Super Contributor

Re: DISCOVER DENIED - CHECK OUT WHY

My guess is that somehow this is considered a duplicate application, and that one is in process.  Duplicates are automatically declined with no credit file pulled.  But when you call they don't have any record of two applications?

 

Message 11 of 21
Contributor

Re: DISCOVER DENIED - CHECK OUT WHY

Have you pulled your scores and report from this site to see if it was a hard or soft pull?  Also could your scores be the reson for the denial?

MYFICO SCORES: 06/2013 = 697 (TU) - 06/2013 = 685 (EQ) - 06/2013 = 666 (EX)

Capital One Quicksilver $2500 (07/2013) Walmart Credit Card $550 (06/2013) Barclaycard Rewards $1300 (06/2013) Chase Freedom $1500 (06/3013) Chase Amazon $500 (7/2013) TTCU $2500 (7/2013)
Jcrew $650 (06/2013) Express $500 (06/2013) Victoria Secret $350 (06/2013) Macys $300 (08/2013) Phillips 66 CU $6000 (08/2013) Capital One Venture $5000 (10/2013) Discover IT $1000 (10/2013) Chase Disney $1500 (10/2013)

DENIED: BOFA Unsecured (06/2013, EX)

Take the myFICO Fitness Challenge
Message 12 of 21
Frequent Contributor

Re: DISCOVER DENIED - CHECK OUT WHY

Hmmm. A duplicate app could be a possibility if I inadvertantly pressed submit twice. But neither credit rep or analyst mentioned a dupe to me.

As for my scores being a reason for denial: absolutely possible, as well as the baddies still showing (paid, est fall off June & July 2013), and one open collection in disputeas as fraudulently opened. But the issue isn't being denied; the issue is that Discover claims app is still being processed and claims not to have pulled a credit report.



Amex BCE: $2600 - Bank of America Cash Rewards: $6500 - Barclaycard Apple: $2000 - Barclaycard Rewards: $3350 - Capital One Quicksilver: $5000 - Chase Freedom: $3700 - Discover IT: $1200 - Walmart Store: $1700
Message 13 of 21
Established Contributor

Re: DISCOVER DENIED - CHECK OUT WHY

Yea this is definitely a new one....


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Message 14 of 21
Frequent Contributor

Re: DISCOVER DENIED - CHECK OUT WHY


longtimelurker wrote:

My guess is that somehow this is considered a duplicate application, and that one is in process.  Duplicates are automatically declined with no credit file pulled.  But when you call they don't have any record of two applications?

 


We have a winner! I just spoke with Discover and the rep told me this was a duplicate app placed online. What is ironic is I placed the app online, got the 7-10 message and called the next day to recon; at that time the rep entered a new application which was denied (derogs), and the original online app became null. A new denial letter will be sent and will hopefully show my FICO score; the bureau pulled was Equifax.

 

So now I await a decision from Chase (for the Slate line) and wait until August to retry for Discover (Chase, too, if need be); and then, no matter which outcome I get from those apps, off to garden all of 2014.



Amex BCE: $2600 - Bank of America Cash Rewards: $6500 - Barclaycard Apple: $2000 - Barclaycard Rewards: $3350 - Capital One Quicksilver: $5000 - Chase Freedom: $3700 - Discover IT: $1200 - Walmart Store: $1700
Message 15 of 21
Moderator Emerita

Re: DISCOVER DENIED - CHECK OUT WHY

At least you got that figured out. Have you called Chase?
Message 16 of 21
Frequent Contributor

Re: DISCOVER DENIED - CHECK OUT WHY

I called Chase today. They still haven't received my identification documents for verification; I faxed them last Wednesday and it can take awhile for the faxes to get sorted and attached to your app, so its a wait game for now.



Amex BCE: $2600 - Bank of America Cash Rewards: $6500 - Barclaycard Apple: $2000 - Barclaycard Rewards: $3350 - Capital One Quicksilver: $5000 - Chase Freedom: $3700 - Discover IT: $1200 - Walmart Store: $1700
Message 17 of 21
Moderator Emerita

Re: DISCOVER DENIED - CHECK OUT WHY

Message 18 of 21
Frequent Contributor

Re: DISCOVER DENIED - CHECK OUT WHY

Thanks! Will update when decision is made.



Amex BCE: $2600 - Bank of America Cash Rewards: $6500 - Barclaycard Apple: $2000 - Barclaycard Rewards: $3350 - Capital One Quicksilver: $5000 - Chase Freedom: $3700 - Discover IT: $1200 - Walmart Store: $1700
Message 19 of 21
Mega Contributor

Re: DISCOVER DENIED - CHECK OUT WHY

Good luck with Chase!! Smiley Happy




EQ FICO 548 3/3/16
Message 20 of 21