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New Contributor
Posts: 163
Registered: ‎10-18-2012
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Discover Requirements

I was wondering if I had a chance of getting approved for a Discover Card.

 

My reports are CLEAN except for TWO medical collections from October of 2011.  I've attempted to PFD but haven't gotten any response yet (I gave them a month to respond), and the amount are $450 and $150.  So I can easily pay them. 

 

If I tried for a Discover, would I be able to explain these?

 

My Transunion doesn't report them, and my Experian only reports the larger collection, while Equifax reports both.

 

 

Thanks!

09/2013: TU FICO 692, EQ FICO 698, EX PLUS 709. No apps until December 2014!
Freedom: $1500 Cap1 Plat: $2000 Cap1 Cash: $1500 Barclays: $4000 Walmart: $2700 GE Luxury: $4800 Jared: $1500 Davids Bridal: $1500
Valued Contributor
Posts: 2,505
Registered: ‎11-11-2010
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Re: Discover Requirements

Discover either pulls EQ or TU. Since the amount is small a simple phone call should do the trick.

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Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
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New Contributor
Posts: 85
Registered: ‎11-07-2012
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Re: Discover Requirements

[ Edited ]

This is a hard one

 

As discover pulls exquifax or transuion so it's hard because because 683 and 616 is not a great comfort level to app discover . Personally I would wait until you hear back with the PFD before apping 

 

 

Current Score: 771 - 11/21/2012/ Amex Pull
Late Payment: 0 / Collections: 0
AAOA: 6.3 Years

"My Scores Yesterday or Last week or even Last month has no value when applying for credit today. The value is not in my score but the information in my credit file. Once the information is good the score will follow"
Valued Contributor
Posts: 1,265
Registered: ‎09-14-2012
0

Re: Discover Requirements


Brandnick wrote:

This is a hard one

 

As discover pulls exquifax or transuion so it's hard because because 683 and 616 is not a great comfort level to app discover . Personally I would wait until you hear back with the PFD before apping 

 

 


I agree with this.  Even if you did get approved it would likely be a small limit.  Work on getting those collections off and then make the jump.

Never take credit personally

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Established Member
Posts: 13
Registered: ‎04-09-2012
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Re: Discover Requirements

I applied last week for a Discover which was approved with a $5,000 limit.  I have a judgment which I have not been able to settle from Chase Bank credit card from 6 years ago.  I explained to the representative about the situation and was still approved.

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