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Pulled Eq for me too, in Ohio.
When I applied and was denied-- they pull my EQ in NY
So??
did you recon??
@fedxboy wrote:I was happily in the garden, knowing full well that I shouldn't be applying for a bit -- maybe even a year. Lo and behold, Discover IT sends me a pre-approved application for 0% for a year with 15.99 APR. I've always wanted a Discover and I was declined in 2011 and 2012, but now they sent me a preapproval, so maybe things are different! (yeah right, who am I kidding)
I held on to the application for a few days, knowing they pull Transunion and considering my inquires 13, I didn't think I would get it, besides, I just got the USAA World MC-5k limit in Dec, Walmart Discover-3k in Jan, and Macy's Amex-4k in Feb. I fell for it and applied -- DECLINED -- they cited: The number of recently opened credit card accounts with balances and a FICO of 756. Wow, the same FICO that I got from Walmart this month.
Looking at my report, I have 4 INQ from 2011, with Discover being 1 of them. In 2012 another 6 INQ with Discover being 1 of them and 2 for Student Loan shopping. Another 4 INQ from 2013 with Discover being 1 of them and 2 of the INQ's were for CLI's on US BANK and B OF A. WOW, so 14 INQ's total now with 3 from Discover.
Off to the garden I go <grumbles> is there a recon #?
Recon for sure! I got approved with14-15 INQs on TU. 4k CL, 15.99% apr after 12 months promo.
I'm certainly not good with recons as I tried. She wouldn't budge -- something about 5 accounts opened in the last 6 months. I really do have enough accounts and I probably should freeze my reports, so I won't be tempted again!!!! LOL
B of A and CITI opened in Oct, USAA in Dec, Walmart Discover in Jan and Macy's Amex in Feb. Utility is like 8% and my AAoA is 3.6 years....................
I'm also an AU on a buddy's B of A Sig with a 25k limit and no bal
Thanks for your help and suggestions -- all of you!!!!
@fedxboy wrote:I'm certainly not good with recons as I tried. She wouldn't budge -- something about 5 accounts opened in the last 6 months. I really do have enough accounts and I probably should freeze my reports, so I won't be tempted again!!!! LOL
B of A and CITI opened in Oct, USAA in Dec, Walmart Discover in Jan and Macy's Amex in Feb. Utility is like 8% and my AAoA is 3.6 years....................
I'm also an AU on a buddy's B of A Sig with a 25k limit and no bal
Thanks for your help and suggestions -- all of you!!!!
Time to garden indeed
Well, not to rebirth this thread, but now DISCOVER IT sends me another pre-approval, just yesterday with even better terms than the first .....14 months 0% apr and a low rate of 9.99 afterwards
Shakes fists in air
And my bad, since Oct 2012 -- I've only opened 4 cards -- Citi in October, USAA in Dec, Walmart Discover in Jan and Macy's Amex in Feb. The B OF A was opened in August. I guess I could of gone without the Walmart Discover and Macy's Amex