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Discover More Pre-approved

Regular Contributor

Discover More Pre-approved

So before when i checked for Pre approvals it could not match me with anythin but this time when i tried it recommended the More card. I filled out the application and it said they needed to do more processing and they will have my answer within five to seven business days. No collections on my report as midland currently deleted, what are my chances???

CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

Message 1 of 20
19 REPLIES
Valued Contributor

Re: Discover More Pre-approved

I would call them they might need to verify some info......


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 2 of 20
Established Contributor

Re: Discover More Pre-approved

Use the back door number and call them today. I had the same message and was approved right away after calling them. They just wanted to verify my address and so.



FICO (TU/EX/EQ): 737/743/739 - Total CL 244+K
Message 3 of 20
Valued Contributor

Re: Discover More Pre-approved

get ready to explain to them any of your baddie if you had one.......


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 4 of 20
Regular Contributor

Re: Discover More Pre-approved

This sucks, just called was told that i needed a cosigner, and that this would be the only way i could get my feet in the door.  I told them if there was any they could speak to an underwriter to get me in maybe with a lower limit and he said no a cosigner was the only way. This sucks!!

CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

Message 5 of 20
Valued Contributor

Re: Discover More Pre-approved

Don't give up ......what your Fico and credit file look like ??? Do you know ??????


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 6 of 20
Regular Contributor

Re: Discover More Pre-approved

Same thing happened to me in July. I got an invite to apply in the mail and was denied unless I had a cosigner. I didn't fight it though. Didn't care enough to.
In My Wallet: Amazon (5/2011) $2200 -- CareCredit (9/11) $4200 -- Capital One Green Cash Rewards (01/12) $3000 -- Citi Forward (1/12) $2500 -- Walmart Store Card (1/12) $1100 -- Maurices (8/12) $200

Starting Score: EX 567 9/13/2010
Current Score: EX(FAKO) 639 EQ(FAKO) 628 TU(FAKO) 662 11/13/2012
Goal Score: 750
Message 7 of 20
Valued Member

Re: Discover More Pre-approved

Photobucket

 

Is this what you got when you tried. Discover changed there pre approval system in the last couple of months to make it look like you have been pre approved when you haven't.

Message 8 of 20
Established Contributor

Re: Discover More Pre-approved


Link2k wrote:
Photobucket

 

Is this what you got when you tried. Discover changed there pre approval system in the last couple of months to make it look like you have been pre approved when you haven't.


+1 As long as it doesn´t say "Congratulations XY. You are pre-approved ..." it is not a pre app

 



FICO (TU/EX/EQ): 737/743/739 - Total CL 244+K
Message 9 of 20
Valued Contributor

Re: Discover More Pre-approved

exactly....you gotta scroll down and click on "see all offers" or whatever and then it will usualy tell you "sorry, yada yada yada"

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 10 of 20