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Discover Denial

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mongstradamus
Super Contributor

Re: Discover Denial


@joltdude wrote:

Lets add insult to injury, discover did a double hard pull on me.. Both EQ and TU pulled....

Cmon guys...

 

 


double pulls happen i think when i apped for discover IT before they double pulled me. Even when I apped for CSP less than an month ago i got double pulled. My scores are decent , didn't expect the double pull from chase :-(



EX Fico 804 11/16/16 Fako 800 Credit.com 11/16/16
EQ SW bank enhanced 11/16/16 839 CK fako 822 11/16/16
TU Fico discover 10/19/16 814 Fako 819 Creditkarma 11/16/16
Message 11 of 24
bk510
Valued Contributor

Re: Discover Denial


@joltdude wrote:

Well I took the bait and the hard pull from Discover... got denied... tried recon but CSR wouldnt redirect me to anyone with influence.

Now what...

 

Should I go on an app spree... and just realize discover is being stubborn?

or how long should I wait before I try again.. I sort of initially thought id wait for 6month mark before applying but I really wanted a second card that reported to *everyone* 

 

the whole approved with co-applicant thing didnt sit well with me...

 

No baddies, had a CU card for 4 months, and they kept showering with offers... 

 


your score seem decent....is ur CU card the only card u have?

 photo QS visa_zps7zokw2wl.jpg photo QS visa_zps7zokw2wl.jpg photo Venture One_zpsigvttrlz.jpg photo Sony Visa_zpsxoradr1b.jpg photo USC Reward_zpslcvjfxmq.jpg photo Penfed Promise_zpsdg1y2dw2.png photo NasaFcu_zpswac3zwcu.jpg photo America_zpsuwx8rzdm.jpg photo LA-Kings-card_zpslbkyeqsz.png photo Barclay_zpslqv3i4tl.jpg photo BBVA_zpsqrhh7omh.jpg
 photo nfcu debit card_zpsprkh98jw.png photo nfcu visa siggy_zps0gjgyxje.png/ photo nfcu goReward card_zpsixhh1qcp.jpg photo sdfcu platinum card_zpspilihdiv.png  photo penfed reward cash_zpsyckxjc7y.png photo alliant visa_zpsaf4udfx0.jpg photo Citi Secured_zpsypzxi0jm.png photo fnbo platinum_zpsxfub6esb.png photo marvel-credit-card_zpsfkvc3ux5.png photo golden 1 CU_zpslhgxynjv.pngBurned AECitiChase
Message 12 of 24
bk510
Valued Contributor

Re: Discover Denial


@joltdude wrote:

Nope. Not going to pay for them untill im in the ballpark.. Thought that TU one i bought was one but its not...


Discover pulls EQ.....i'm in so cal.

 photo QS visa_zps7zokw2wl.jpg photo QS visa_zps7zokw2wl.jpg photo Venture One_zpsigvttrlz.jpg photo Sony Visa_zpsxoradr1b.jpg photo USC Reward_zpslcvjfxmq.jpg photo Penfed Promise_zpsdg1y2dw2.png photo NasaFcu_zpswac3zwcu.jpg photo America_zpsuwx8rzdm.jpg photo LA-Kings-card_zpslbkyeqsz.png photo Barclay_zpslqv3i4tl.jpg photo BBVA_zpsqrhh7omh.jpg
 photo nfcu debit card_zpsprkh98jw.png photo nfcu visa siggy_zps0gjgyxje.png/ photo nfcu goReward card_zpsixhh1qcp.jpg photo sdfcu platinum card_zpspilihdiv.png  photo penfed reward cash_zpsyckxjc7y.png photo alliant visa_zpsaf4udfx0.jpg photo Citi Secured_zpsypzxi0jm.png photo fnbo platinum_zpsxfub6esb.png photo marvel-credit-card_zpsfkvc3ux5.png photo golden 1 CU_zpslhgxynjv.pngBurned AECitiChase
Message 13 of 24
bk510
Valued Contributor

Re: Discover Denial


@joltdude wrote:

Iv gone from having a thin file to 3 months of  9% util, PIF on statement cut date

Tend to make 2-3 payments a month just to keep the util down...

No BK, no adverse actions, no judgements/liens

 

Have a total of 7 inquiries, only 4 this year...2 being the CU for checking/cc accounts, one being a hard pull i was lied to about.... and the other being discover.

-J


Try Barclay reward card for an average credit or apple visa....i think u have a good shot of approval.

 

good luck

 photo QS visa_zps7zokw2wl.jpg photo QS visa_zps7zokw2wl.jpg photo Venture One_zpsigvttrlz.jpg photo Sony Visa_zpsxoradr1b.jpg photo USC Reward_zpslcvjfxmq.jpg photo Penfed Promise_zpsdg1y2dw2.png photo NasaFcu_zpswac3zwcu.jpg photo America_zpsuwx8rzdm.jpg photo LA-Kings-card_zpslbkyeqsz.png photo Barclay_zpslqv3i4tl.jpg photo BBVA_zpsqrhh7omh.jpg
 photo nfcu debit card_zpsprkh98jw.png photo nfcu visa siggy_zps0gjgyxje.png/ photo nfcu goReward card_zpsixhh1qcp.jpg photo sdfcu platinum card_zpspilihdiv.png  photo penfed reward cash_zpsyckxjc7y.png photo alliant visa_zpsaf4udfx0.jpg photo Citi Secured_zpsypzxi0jm.png photo fnbo platinum_zpsxfub6esb.png photo marvel-credit-card_zpsfkvc3ux5.png photo golden 1 CU_zpslhgxynjv.pngBurned AECitiChase
Message 14 of 24
bk510
Valued Contributor

Re: Discover Denial


@mongstradamus wrote:

@joltdude wrote:

Lets add insult to injury, discover did a double hard pull on me.. Both EQ and TU pulled....

Cmon guys...

 

 


double pulls happen i think when i apped for discover IT before they double pulled me. Even when I apped for CSP less than an month ago i got double pulled. My scores are decent , didn't expect the double pull from chase :-(


I think that lenders tend to at least double pull, if ur report is somewhat borderline. imo

 photo QS visa_zps7zokw2wl.jpg photo QS visa_zps7zokw2wl.jpg photo Venture One_zpsigvttrlz.jpg photo Sony Visa_zpsxoradr1b.jpg photo USC Reward_zpslcvjfxmq.jpg photo Penfed Promise_zpsdg1y2dw2.png photo NasaFcu_zpswac3zwcu.jpg photo America_zpsuwx8rzdm.jpg photo LA-Kings-card_zpslbkyeqsz.png photo Barclay_zpslqv3i4tl.jpg photo BBVA_zpsqrhh7omh.jpg
 photo nfcu debit card_zpsprkh98jw.png photo nfcu visa siggy_zps0gjgyxje.png/ photo nfcu goReward card_zpsixhh1qcp.jpg photo sdfcu platinum card_zpspilihdiv.png  photo penfed reward cash_zpsyckxjc7y.png photo alliant visa_zpsaf4udfx0.jpg photo Citi Secured_zpsypzxi0jm.png photo fnbo platinum_zpsxfub6esb.png photo marvel-credit-card_zpsfkvc3ux5.png photo golden 1 CU_zpslhgxynjv.pngBurned AECitiChase
Message 15 of 24
joltdude
Senior Contributor

Re: Discover Denial

Still indecisive on what to do..  aaoa with one card and a 1k ploc is 6mo.  not getting any pre-approval offers coming back except discovers website... Tempted to hold and garden until Dec,  but having a rewards card and additional reporting would be good 

Message 16 of 24
killer_queen229
Established Contributor

Re: Discover Denial

I would wait.. I got denied at 4 months with the reason being little credit history. 6 months later I got approved. And when I got denied I was also offered the co applicant option as well.
Message 17 of 24
sillykitty1
Established Contributor

Re: Discover Denial


@joltdude wrote:

Still indecisive on what to do..  aaoa with one card and a 1k ploc is 6mo.  not getting any pre-approval offers coming back except discovers website... Tempted to hold and garden until Dec,  but having a rewards card and additional reporting would be good 


Discover's website isn't a legitimaite prequal .... put in Mickey Mouse, and you'll see he's prequalified as well

Message 18 of 24
taxi818
Super Contributor

Re: Discover Denial

Stop using fako and get real scores. So you can tell where you really stand and not waste hard pulls. 

Message 19 of 24
joltdude
Senior Contributor

Re: Discover Denial

I'll just wait another 3 months... Fico is expensive and I got one from credit one soft pull. You care to spend 36$ every pull?
Message 20 of 24
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