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Regular Contributor
Posts: 238
Registered: ‎01-29-2012
0

Re: Discover More Pre-approved

Yea i couldnt believe it, but whatever im at the bar right now im paying it no mind. I rather you give me a rejection than you tell me i have to apply with a cosigner

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

Valued Contributor
Posts: 1,738
Registered: ‎08-13-2012
0

Re: Discover More Pre-approved

Twin girl call underwrite department ......if the don't approved ask for their supervise ....probably those baddie oyour a account explain it to them..........sent them proof if needed......don't waste your inquiry,......


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

Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
0

Re: Discover More Pre-approved

Did you get midland removed from ALL three cr's?!?

Ugh! I hate midland!!!! They kept putting a fraud bill on my cr's. It has taken me almost a YEAR to get it off all three as they kept puttin it on there!!!! If they do it again, I am going to just turn 'em in.
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
Posts: 470
Registered: ‎08-14-2012
0

Re: Discover More Pre-approved


TwinGirls19 wrote:

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???


they can never find me in their systems either... I guess that means that its not really a soft pull on your CR but rather it looks at maybe offers that were mailed to you previously.

In my wallet: Amex PRG & Zync, Amex BCE (19.2k), Chase Freedom (5k), PSECU Visa/PSL (20k)
Current Scores: Equifax: 738 (Fako) TransUnion: 721 (Fico) Experian: 717 (Fico)
Disclaimer: I am by no means a financial advisor. My posts are based on opinion, experience, and/or knowledge.
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
0

Re: Discover More Pre-approved

Are you under 21 twingirls?

If so, it may be the CARD Act or income verification preventing you from approval
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Regular Contributor
Posts: 238
Registered: ‎01-29-2012
0

Re: Discover More Pre-approved

YeS im over 21, 25 to be exact and have been at my job for 4 years. I actually asked to speak to someone in the underwritin department and they said it wouldnt matter that i still need a cosigner. No baddies, they pulled from equifax and equifax was the first company that send me proof that midland got deleted. I think i will call the underwriters

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

Regular Contributor
Posts: 237
Registered: ‎06-21-2010
0

Re: Discover More Pre-approved

Usually to see if you're pre-approved you need to use the "cardbuilder" link on the site.

 

When I use the regular "find your per-approved offers" link, I usually only get recommended cards whereas the cardbuilder page shows cards I might be eligible for.

Established Contributor
Posts: 909
Registered: ‎12-25-2010
0

Re: Discover More Pre-approved

Yea try to call for a recon anyway, can't hurt...


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: Discover More Pre-approved

Fingers crossed for a recon approval!! :smileyhappy:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
New Contributor
Posts: 62
Registered: ‎10-07-2007
0

Re: Discover More Pre-approved

Are they requesting a co-signer due to bad credit or low income?

 

If it's bad credit then a recon may work if you can explain any negatives. If it's low income, then there probably isn't much you can do.

~~Credit Cards~~
Alliant Platinum Rewards Visa, AmEx BCP, BofA Power Rewards, Bank of the West Platinum, Barclay Rewards World MC, Chase Freedom/Chase Sapphire Preferred, Citi Thank You Preferred/Citi Dividend Select, Discover IT, FNBOmaha, Paypal MC, US Bank Cash+/US Bank Perks+.

Total: $300,000+ in lines.
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