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Frequent Contributor
CreditCard101
Posts: 401
Registered: ‎02-23-2009
0

Re: Discover Card

More likely you'll get denied. I always got that message!!

They'll give you gibberish excuse for denying you..

Established Contributor
Posts: 742
Registered: ‎12-19-2008
0

Re: Discover Card


creditwherecreditisdue wrote:

They harded EX for my app in FL last year. They soft TU for AR occasionally.

 

Your scores are low OP. Why? You also were not diverted to HSBC Discover - you may have been denied both. I would call 1-800-DISCOVER and ask about your app status. I won't hurt anything.


Discover hard pulled EQ for me and I live in AZ.....so it seems their hard pulls will vary.

Frequent Contributor
anderl
Posts: 251
Registered: ‎06-08-2009
0

Re: Discover Card

I applied for the Discover card online as well and was denied w/ a 708 TU, but was approved for the HSBC Discover. I called the Backdoor # and talked to a very nice woman who told me that the reason for my denial was an unpaid Judgement for $12,000. Of course it had been paid for over 5 years and was due to drop off in 6 mnths. She told me to get it corrected, which I did- within one week-GO TU:smileytongue: and called back. She had to make another hard inquiry,was reviewed for another week and finally approved for $1500:smileyvery-happy: I had 2 inq's and my score had gone up 7pts. to 715:smileysurprised:-so yes, Discover is definitely conservative and if you have a clean report/low # of inq's a TU score of 680/690 seems to get approved whereas if you have a baddie or two(of at least 4/5yrs. old), a TU of over 700 seems to do the trick.
Amex Platinum Charge(NPSL); Starwood Amex Preferred CC(20K CL); Diners Club ELITE MC(20K);Diners Club Premier MC(20K,could've sworn the rep said 25k, oh well lol);Delta Amex Reserve CC(21K CL); Amex PRG Charge(NPSL); Amex Zync(NPSL); United Presidential Plus Chase World Elite MC (15K CL); AARP Chase Visa Signature(35K CL); NFCU Visa Platinum(20K CL) NFCU LOC(15K); NFCU Go Rewards MC(17.5K); Disover IT 7.8K;
First Tech Federal Visa Platinum(15K CL); Simmons First Visa Platinum(9K CL); Wells Fargo Visa Platinum(7.5K CL); CitiBank Sears MC(6K CL); JCPenney Card(6K CL); Lowes(2.5K CL).
Valued Member
Iwillobtaingreatcredit
Posts: 31
Registered: ‎05-30-2009
0

Re: Discover Card

Discover pulled tu looked at my inquires
MYFico
tu 530 5/30/09 ~585 9/14/09
eq 614 7/20/09 ~ 650 9/07/09
ex ?
Established Contributor
Posts: 742
Registered: ‎12-19-2008
0

Re: Discover Card

Do you know your current TU FICO score? Any negative TLs on your current TU report?
Frequent Contributor
anderl
Posts: 251
Registered: ‎06-08-2009
0

Re: Discover Card

Pulled TU in New Jersey
Amex Platinum Charge(NPSL); Starwood Amex Preferred CC(20K CL); Diners Club ELITE MC(20K);Diners Club Premier MC(20K,could've sworn the rep said 25k, oh well lol);Delta Amex Reserve CC(21K CL); Amex PRG Charge(NPSL); Amex Zync(NPSL); United Presidential Plus Chase World Elite MC (15K CL); AARP Chase Visa Signature(35K CL); NFCU Visa Platinum(20K CL) NFCU LOC(15K); NFCU Go Rewards MC(17.5K); Disover IT 7.8K;
First Tech Federal Visa Platinum(15K CL); Simmons First Visa Platinum(9K CL); Wells Fargo Visa Platinum(7.5K CL); CitiBank Sears MC(6K CL); JCPenney Card(6K CL); Lowes(2.5K CL).
Valued Member
Iwillobtaingreatcredit
Posts: 31
Registered: ‎05-30-2009
0

Re: Discover Card

Plasticman this week I will buy my current tu score from myfico.   I also have sw and i have one score left . 
MYFico
tu 530 5/30/09 ~585 9/14/09
eq 614 7/20/09 ~ 650 9/07/09
ex ?
Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Discover Card


Iwillobtaingreatcredit wrote:

Ok I left out that part.  Let me start over  I applied for a Discover Card and they did divert me over to HSBC Discover and said they would need further review.  Some TL on TU were paid off and removed I need to buy that score again. 


Well then you know where your app stands. Call if you need further information.


my scores are low because I just went thru a divorce and trying to recover from that.  I also have collection accts that should not be on my credit report  sold and bought several times and a couple of them should not even be reporting.  I never purchased any books from this book co, but they are reporting it on my credit report.  And it is not the original creditor


Fix your CBR's first, app later.

Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009
0

Re: Discover Card

I wish Discover had pulled TU for me.

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