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Discover IT Pre-Screen offer

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joltdude
Senior Contributor

Re: Discover IT Pre-Screen offer

This is very likely the generic offer, not a true pre-screen...

 

Hints on if its a true prescreen....

The range for interest rates is tighter and usually the header may be different than the default silver/blue card... mine was burgundy...

I also was recieving preapproval offers in the mail...

If you get one in the mail, it will likely match the onscreen offer if its a true pre-approval...

 

Still not a guarentee...

BUT.. Theres the chance youll get the unicorn if the mailed pre-screen fails... which is a secured card.... Or if your unlucky, the co-app offer.....

 

My Take: if you get the paper offer, your more likely to get a valid prescreen from the discover site... but its not a sure shot ... Caveat Emptor...

 

 

Message 21 of 43
celticslegends
Frequent Contributor

Re: Discover IT Pre-Screen offer


@IamB2 wrote:

@celticslegends wrote:

Thanks everyone for your advice.  I still have 2 charge offs and I haven't rehabbed my student loans yet.  But I have read other posts on people that barely had income and not good scores that were approved.  I also ready posts from people that had better scores, but were denied.  What other prescreen offers would you advise me to check out besides Discover?  Thanks.


Don't wast an HP on Discover with the above still reporting. I was denied for having ONE Charge off showing still on my report with no updates since 03/2012 (more than 2 years ago) and fico scores in the 660s. I wouldn't waste an HP yet. But your call.


Thanks for your advice.  Did you take care of your charge off before being approved for all the other cards I see in your signature?  Should I just focus on the Cap 1 and CU card I have and take care of the charge offs first before applying for anyt of the others?  

Starting score from CU: (11/13) 520
Recent Scores: TU FICO 08 (7/15) 693; (8/15) 701 | EQ FICO 08 (7/15) 671 | EX FICO 08 (8/15) 684
Goal Score: (Oct '15) 700+
Cards: Cap 1 Venture Signature $5000 Limit | UFCU Visa Plat $4000 Limit | Cap 1 Quicksilver WMEC $5000 Limit | Walmart Store Card $6000 Limit | Amazon Prime Store Card $6000 Limit | Barclays Rewards $1500 Limit | Amex EveryDay Card $2000 Limit | Chase Slate $3000 Limit |
Message 22 of 43
celticslegends
Frequent Contributor

Re: Discover IT Pre-Screen offer


@joltdude wrote:

This is very likely the generic offer, not a true pre-screen...

 

Hints on if its a true prescreen....

The range for interest rates is tighter and usually the header may be different than the default silver/blue card... mine was burgundy...

I also was recieving preapproval offers in the mail...

If you get one in the mail, it will likely match the onscreen offer if its a true pre-approval...

 

Still not a guarentee...

BUT.. Theres the chance youll get the unicorn if the mailed pre-screen fails... which is a secured card.... Or if your unlucky, the co-app offer.....

 

My Take: if you get the paper offer, your more likely to get a valid prescreen from the discover site... but its not a sure shot ... Caveat Emptor...

 

 


So now they have my info and if it is for real, they will send me something in the mail?  Good point.  Thanks.

Starting score from CU: (11/13) 520
Recent Scores: TU FICO 08 (7/15) 693; (8/15) 701 | EQ FICO 08 (7/15) 671 | EX FICO 08 (8/15) 684
Goal Score: (Oct '15) 700+
Cards: Cap 1 Venture Signature $5000 Limit | UFCU Visa Plat $4000 Limit | Cap 1 Quicksilver WMEC $5000 Limit | Walmart Store Card $6000 Limit | Amazon Prime Store Card $6000 Limit | Barclays Rewards $1500 Limit | Amex EveryDay Card $2000 Limit | Chase Slate $3000 Limit |
Message 23 of 43
IamB2
Established Contributor

Re: Discover IT Pre-Screen offer


@celticslegends wrote:

Thanks for your advice.  Did you take care of your charge off before being approved for all the other cards I see in your signature?  Should I just focus on the Cap 1 and CU card I have and take care of the charge offs first before applying for anyt of the others?  


 No I still have the one CO (the one discover denied me for), but the others have approved me with that on the report. I got approved for Chase and 2 Amex cards, but Discover seems to dislike the charge offs.

FICO® EQ 717 (3/5/15); TU08 732 (3/5/15); EX: 723 (3/5/15) - Last app 3/15/15; Inquiries: A TON!

CITI ThankYou Preferred - CL: $2,000




Starting Scores: 590s on 12/2013. Hover over card image to view details! *After Amex approvals - [I was supposed to be] Gardening!*
Message 24 of 43
Closingracer99
Valued Contributor

Re: Discover IT Pre-Screen offer


@celticslegends wrote:

@Closingracer99 wrote:

Your FAKO scores for whats it worth is to low to get anything worthwile with Chase or Discover. Your probably going to get declined but if you somehow do get approved you will probably get $500 limit and the highest APR%. I would wait till your scores are around 700 to apply for those cards if you want a limit above $1,000.   Also I would suggest finding out your FICO scores. While I don't see much value of paying for them specially here  I would buy 1 or 2 scores and go from there. Like find out which lenders pull which in your area. Amex pulls EX, Chase pulls EX or EQ or both. Though Chase did pull my TU on a Recon since asked them to last year.  Discover tends to pull EX or EQ I believe but Discover has been pulling EX or Tu for me. Bank of America pulled EX at least for me and Barcaly's is a TU puller.


Thanks for your advice.  Where is the best place besides here to pull my real FICO?  


Discover , Barclays, and Walmart offer it for free and some CC will tell when your approved or Declined , if your looking for a loan, and thats about all I can think of 


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 25 of 43
Closingracer99
Valued Contributor

Re: Discover IT Pre-Screen offer


@IamB2 wrote:

@celticslegends wrote:

Thanks for your advice.  Did you take care of your charge off before being approved for all the other cards I see in your signature?  Should I just focus on the Cap 1 and CU card I have and take care of the charge offs first before applying for anyt of the others?  


 No I still have the one CO (the one discover denied me for), but the others have approved me with that on the report. I got approved for Chase and 2 Amex cards, but Discover seems to dislike the charge offs.


It's all YMMV


My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740
Message 26 of 43
taxi818
Super Contributor

Re: Discover IT Pre-Screen offer

IMO. Even if those were ficos he would not have chance. Get above maybe 665.  Then real good chance. Just my opinion. No need to takeaway wasted hit. 

Message 27 of 43
celticslegends
Frequent Contributor

Re: Discover IT Pre-Screen offer


@IamB2 wrote:

@celticslegends wrote:

Thanks for your advice.  Did you take care of your charge off before being approved for all the other cards I see in your signature?  Should I just focus on the Cap 1 and CU card I have and take care of the charge offs first before applying for anyt of the others?  


 No I still have the one CO (the one discover denied me for), but the others have approved me with that on the report. I got approved for Chase and 2 Amex cards, but Discover seems to dislike the charge offs.


Great.  Maybe the Barclays and Cap 1 quicksilver should be my priority before applying for for the bigger names.  Thanks again for your advice.

Starting score from CU: (11/13) 520
Recent Scores: TU FICO 08 (7/15) 693; (8/15) 701 | EQ FICO 08 (7/15) 671 | EX FICO 08 (8/15) 684
Goal Score: (Oct '15) 700+
Cards: Cap 1 Venture Signature $5000 Limit | UFCU Visa Plat $4000 Limit | Cap 1 Quicksilver WMEC $5000 Limit | Walmart Store Card $6000 Limit | Amazon Prime Store Card $6000 Limit | Barclays Rewards $1500 Limit | Amex EveryDay Card $2000 Limit | Chase Slate $3000 Limit |
Message 28 of 43
celticslegends
Frequent Contributor

Re: Discover IT Pre-Screen offer


@Closingracer99 wrote:

@celticslegends wrote:

@Closingracer99 wrote:

Your FAKO scores for whats it worth is to low to get anything worthwile with Chase or Discover. Your probably going to get declined but if you somehow do get approved you will probably get $500 limit and the highest APR%. I would wait till your scores are around 700 to apply for those cards if you want a limit above $1,000.   Also I would suggest finding out your FICO scores. While I don't see much value of paying for them specially here  I would buy 1 or 2 scores and go from there. Like find out which lenders pull which in your area. Amex pulls EX, Chase pulls EX or EQ or both. Though Chase did pull my TU on a Recon since asked them to last year.  Discover tends to pull EX or EQ I believe but Discover has been pulling EX or Tu for me. Bank of America pulled EX at least for me and Barcaly's is a TU puller.


Thanks for your advice.  Where is the best place besides here to pull my real FICO?  


Discover , Barclays, and Walmart offer it for free and some CC will tell when your approved or Declined , if your looking for a loan, and thats about all I can think of 


I was denied for walmart almost 3 months ago.  I think I have the best chance at this point with Barclays.  Thanks for your help.

Starting score from CU: (11/13) 520
Recent Scores: TU FICO 08 (7/15) 693; (8/15) 701 | EQ FICO 08 (7/15) 671 | EX FICO 08 (8/15) 684
Goal Score: (Oct '15) 700+
Cards: Cap 1 Venture Signature $5000 Limit | UFCU Visa Plat $4000 Limit | Cap 1 Quicksilver WMEC $5000 Limit | Walmart Store Card $6000 Limit | Amazon Prime Store Card $6000 Limit | Barclays Rewards $1500 Limit | Amex EveryDay Card $2000 Limit | Chase Slate $3000 Limit |
Message 29 of 43
celticslegends
Frequent Contributor

Re: Discover IT Pre-Screen offer


@taxi818 wrote:

IMO. Even if those were ficos he would not have chance. Get above maybe 665.  Then real good chance. Just my opinion. No need to takeaway wasted hit. 


Good advice.  Thanks.

Starting score from CU: (11/13) 520
Recent Scores: TU FICO 08 (7/15) 693; (8/15) 701 | EQ FICO 08 (7/15) 671 | EX FICO 08 (8/15) 684
Goal Score: (Oct '15) 700+
Cards: Cap 1 Venture Signature $5000 Limit | UFCU Visa Plat $4000 Limit | Cap 1 Quicksilver WMEC $5000 Limit | Walmart Store Card $6000 Limit | Amazon Prime Store Card $6000 Limit | Barclays Rewards $1500 Limit | Amex EveryDay Card $2000 Limit | Chase Slate $3000 Limit |
Message 30 of 43
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