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Established Member
Posts: 42
Registered: ‎02-25-2009
0

Discover More denied due to inquiries...but not so sad.

Today, I decided to just give Discover a shot before I call off all credit applications for at least 6-9 months. Instantly denied due to inquiries. I called to recon and the CSR was friendly and informative. He basically said the only reason he could see that I was denied was the inquries (kind of figured , but I had the itch :smileysad: ) I asked if there was anyone else who could take a look and explained the reasons for most of the inquiries that were not credit card related. (student loans, apartment hunting, and car loans)  It seems EVERYONE likes to pull TU for me. TU has about 15 inq (I KNOW!!) EQ & EX have maybe 3 each. He said he would forward it to a supervisor, and I should expect a response within 24-48 hours. I am not holding my breath on an approval, but it felt soooo good to get denied for inquiries and nothing else. I have worked hard on improving my credit and lowering my utilization. If it is a no go, I will wait at least 6 months and try again. I just wanted to share & thank the forum for all the advice that has helped me move forward. Now NO MORE APPS for me until I reapply for Discover!! 

 

BTW: I just got my mail and there is a preapproval for a Discover More card! First preapproval letter in years. Talk about rubbing salt in the wounds. lol.



Current: TU (Wal-Mart) 640 EQ (myFICO) 627 EX 628 as of 10/12
BK Discharged 08/10 (The dark times)
NavChek (5000) Cap1 (2500 & 1000) hhGregg (1500) Amazon (900) & WalMart (500) Lowes (300)

Goal: No apps until 07/2013 & 700's across the board
Valued Contributor
Posts: 2,789
Registered: ‎10-10-2012
0

Re: Discover More denied due to inquiries...but not so sad.

You never know, maybe it will come back as an approval! Keep us posted. :smileyhappy:

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 816 EX 780 TU 823
App free since 4/11/13
Established Member
Posts: 42
Registered: ‎02-25-2009
0

Re: Discover More denied due to inquiries...but not so sad.

That would make my day!! I will let you know what happens!!



Current: TU (Wal-Mart) 640 EQ (myFICO) 627 EX 628 as of 10/12
BK Discharged 08/10 (The dark times)
NavChek (5000) Cap1 (2500 & 1000) hhGregg (1500) Amazon (900) & WalMart (500) Lowes (300)

Goal: No apps until 07/2013 & 700's across the board
Regular Contributor
Posts: 233
Registered: ‎10-03-2009
0

Re: Discover More denied due to inquiries...but not so sad.

I hope you get approved! Keep us posted!
Filed BK 04/2011|BK Discharged 08/2011|Hard Pull I 12/05/2012 |


Starting Score: EQ 523 03/2012
Current Score: EQ 649 I TU 655 (02/2013) EX 672(01/2013)
Goal Score: 700 on all CR's 04/2013
Established Member
Posts: 42
Registered: ‎02-25-2009
0

Re: Discover More denied due to inquiries...but not so sad.

Thanks!


Current: TU (Wal-Mart) 640 EQ (myFICO) 627 EX 628 as of 10/12
BK Discharged 08/10 (The dark times)
NavChek (5000) Cap1 (2500 & 1000) hhGregg (1500) Amazon (900) & WalMart (500) Lowes (300)

Goal: No apps until 07/2013 & 700's across the board
Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
0

Re: Discover More denied due to inquiries...but not so sad.

Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
0

Re: Discover More denied due to inquiries...but not so sad.

Good luck! 

  • Current: EQ FICO 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
Chase Freedom $9500
DCU Visa $10000
Capital One QS $2000
AMEX BCE $3000
Lowe's CC $8500
WalMart CC $3100
BOA Platinum $600
AMEX Gold NPSL
Established Contributor
Posts: 671
Registered: ‎04-20-2012
0

Re: Discover More denied due to inquiries...but not so sad.


knj601 wrote:

Today, I decided to just give Discover a shot before I call off all credit applications for at least 6-9 months. Instantly denied due to inquiries. I called to recon and the CSR was friendly and informative. He basically said the only reason he could see that I was denied was the inquries (kind of figured , but I had the itch :smileysad: ) I asked if there was anyone else who could take a look and explained the reasons for most of the inquiries that were not credit card related. (student loans, apartment hunting, and car loans)  It seems EVERYONE likes to pull TU for me. TU has about 15 inq (I KNOW!!) EQ & EX have maybe 3 each. He said he would forward it to a supervisor, and I should expect a response within 24-48 hours. I am not holding my breath on an approval, but it felt soooo good to get denied for inquiries and nothing else. I have worked hard on improving my credit and lowering my utilization. If it is a no go, I will wait at least 6 months and try again. I just wanted to share & thank the forum for all the advice that has helped me move forward. Now NO MORE APPS for me until I reapply for Discover!! 

 

BTW: I just got my mail and there is a preapproval for a Discover More card! First preapproval letter in years. Talk about rubbing salt in the wounds. lol.


only 15 inquaries and u were denied? I had 20 and most were from this year and i was approved. They hard pulled TU.... I'm awaiting my card in the mail to see if they pulled anyone else. sorry for your luck!

 

Discover IT TU Score: 739 as of 4/20/14 | TU Score as of 1/5/14 - 710 | EQ Score as of 1/5/14 - 748 | Ex Score as of 1/5/14 - 728

Capital One QuickSilver MC $4.5K | Amazon $1.8K (CLOSED) | Walmart $5K | Paypal SC w/Debit card $5K (CLOSED) | BOA 123 Cash Rewards Sig $5K | BOA BBR $1K | Discover IT $10K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $6k | PNC Auto Loan $20,038.75 | AMEX SimplyCash Biz CC $3k | BOA Cash Rewards Biz CC $3.5K | Chase Freedom $4.5K | CapOne Spark BIZ Cash Select Visa Sig $5k |
Established Member
Posts: 42
Registered: ‎02-25-2009
0

Re: Discover More denied due to inquiries...but not so sad.

Now I am really jealous. lol.



Current: TU (Wal-Mart) 640 EQ (myFICO) 627 EX 628 as of 10/12
BK Discharged 08/10 (The dark times)
NavChek (5000) Cap1 (2500 & 1000) hhGregg (1500) Amazon (900) & WalMart (500) Lowes (300)

Goal: No apps until 07/2013 & 700's across the board
Regular Contributor
Posts: 150
Registered: ‎06-20-2012
0

Re: Discover More denied due to inquiries...but not so sad.

best of luck to you! I ended up applying for discover this summer and got the 7 day message. Called in for recon and they asked me a couple questions about my credit cards and inquiries that I had and I explained everything. BOOM she came back with 1000 dollars and a promise of a CLI in 6 months with responsible use. hopefully they will hook you up.

American Express Green - NPSL, Sams Club Discover - 4000, Paypal Smart Connect - 4000, Capital One - 3500, Barclaycard Visa - 2500, Walmart - 1500, Discover IT - 1000, Ashley Furniture Home Store - 1000, Care Credit - 1000.
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