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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.




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Valued Contributor
Posts: 2,528
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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New Contributor
Posts: 86
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: 1,517
Registered: ‎09-14-2012
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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: 14
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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