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Frequent Contributor
Posts: 408
Registered: ‎02-09-2011
0

Discover Pre-screen Fail -- They can't find me

I've been hoping to get a Discover It card, but when I visit their soft-pull pre-screen page, I always get the "we can't find you" message.

 

I have lived at this address for 11 years. I have no "freeze" on my credit. The only thing I could think of was that I *might* have opted-out for pre-screened offers, so I went to that website and opted back in across the board.

 

Am I missing anything?

 

nope.gif

Starting Score: EQ 607 TU 693
Current Score: EX myFICO 835 - EQ myFICO 827 - TU myFICO 821
Goal Score: 800+ across the board! *DONE!!!*
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Discover Pre-screen Fail -- They can't find me

[ Edited ]

If you were opted out and you opt back in...it takes a while for this to take affect. When I opted out initially, I got prescreen offers for 3 months after the request before I stopped getting them. YMMV. Just because you aren't pre-approved, doesn't mean you don't quality for the card. Being preapproved does not guarantee offers either. Subject to credit approval Smiley Happy

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






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Established Contributor
Posts: 598
Registered: ‎02-14-2013
0

Re: Discover Pre-screen Fail -- They can't find me

I get the same thing. I think the key passage is "we can't find you in OUR records." I've never been opted out, had CRs frozen, etc. I get Comenity popups all the time. I just figured I'm not in their records for preapproval since I don't meet their criteria.
Frequent Contributor
Posts: 408
Registered: ‎02-09-2011
0

Re: Discover Pre-screen Fail -- They can't find me

Thanks for the replies. Maybe I should give the Duck card a shot. I really like the IT card's tie-in that lets you spend your cashback at Amazon.com though.

 

The Duck card would probably be better anyway, as it's my understanding it always pulls Equifax, which is my best score.

 

I'm looking for my first cashback card that I can use for most of my monthly expenses then pay off in one fell swoop at EOM.

Starting Score: EQ 607 TU 693
Current Score: EX myFICO 835 - EQ myFICO 827 - TU myFICO 821
Goal Score: 800+ across the board! *DONE!!!*
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Discover Pre-screen Fail -- They can't find me

What's your credit profile like? Open accounts? AAoAs? Do you have a Chase Freedom card? Based on your scores only, I think you would qualify. Given you don't have any baddies and you have at least one year of history on file Smiley Happy In my opinion, Freedom is the best cash back card to date.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Super Contributor
Posts: 9,541
Registered: ‎06-19-2013
0

Re: Discover Pre-screen Fail -- They can't find me


maiden_girl wrote:

What's your credit profile like? Open accounts? AAoAs? Do you have a Chase Freedom card? Based on your scores only, I think you would qualify. Given you don't have any baddies and you have at least one year of history on file Smiley Happy In my opinion, Freedom is the best cash back card to date.


I actually have started to like my discover it an lot because of shop discover if you shop online an lot you can get dome pretty good deals 



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
Frequent Contributor
Posts: 408
Registered: ‎02-09-2011
0

Re: Discover Pre-screen Fail -- They can't find me

Equifax

AAOC = 7 years

Inquiries = 0

Lates = One 30 day late, 6 years 9 months ago

Utilization = 1% (sometimes less, never more)

Revolving accounts = 11

Installment accounts = 8

 

I have a baddie that shows up on TU and EX, but it should go away in six months or so. That's why I'm determined to stick with entities that just check Equifax at the moment.

 

 

Starting Score: EQ 607 TU 693
Current Score: EX myFICO 835 - EQ myFICO 827 - TU myFICO 821
Goal Score: 800+ across the board! *DONE!!!*
Frequent Contributor
Posts: 408
Registered: ‎02-09-2011
0

Re: Discover Pre-screen Fail -- They can't find me

I should mention a few things:

  • I hope to get a 0% interest car loan in the next year
  • I have no "large CL" cards -- My highest CL is a $2K CapitalOne card
  • I've gone about three years with no apps, so I am choosing VERY carefully
Starting Score: EQ 607 TU 693
Current Score: EX myFICO 835 - EQ myFICO 827 - TU myFICO 821
Goal Score: 800+ across the board! *DONE!!!*
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Discover Pre-screen Fail -- They can't find me


gamegrrl wrote:

Equifax

AAOC = 7 years

Inquiries = 0

Lates = One 30 day late, 6 years 9 months ago

Utilization = 1% (sometimes less, never more)

Revolving accounts = 11

Installment accounts = 8

 

I have a baddie that shows up on TU and EX, but it should go away in six months or so. That's why I'm determined to stick with entities that just check Equifax at the moment.

 

 


Chase primarily checks Experian.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Frequent Contributor
Posts: 290
Registered: ‎12-01-2012
0

Re: Discover Pre-screen Fail -- They can't find me

I already have a Discover credit card and yet, when I placed my name/address into the same Discover "pre-approval" search, it told me that Discover could NOT find me in their system, hence no recommendations!  Go figure . . .

FICO Score 8: EQ 813 EX 809 TU 815 **** FICO Bankcard 8: EQ 837 EX 826 TU 841 **** VantageScore 3.0: EQ 823 EX 818 TU 821
TOTAL CL (6 cards): $118.9K **** INQUIRIES 2 yrs (1 yr): EQ 0(0) EX 0(0) TU 1(0) **** UTILIZ: 1 % **** GOAL: FICO Score 8: 800+

NASA FCU Rewards Visa 30K || Amex BCE 25K || Chase Sapphire Visa Signature 21.5K || PayPal Extras MC 20K
CITI Diamond Preferred MC 12.4K || Discover it 10K **** CLOSED 7 cards **** GARDENING since 9-26-2014

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