Credit Cards

[heathuhhhhwebbbb]

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!

[trumpet-205]

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

[Brandnick]

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 

[sccredit]

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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 

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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.

[suzeeh]

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.