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Discover pre-approval then 5-7 day message

Regular Contributor

Discover pre-approval then 5-7 day message

So I got the discover pre-approval letter submitted it and got the old we will notify you in 5-7 days. Anyone have any feedback? I have one baddie, ratio of outstanding credit now is about 5%. Baddie will fall off in a few months. I guess I can wait and find out in a few days.

Message 1 of 10
9 REPLIES
Regular Contributor

Re: Discover pre-approval then 5-7 day message

If you have already taken a hit for the inquiry I would definitely call the recon number at Discover and see what's up.  They're very professional and are pleasant to deal with. The decision made is computer generated so call them and talk to a person.  The possibilities in getting approved are much better this way.

 

Good luck!

Message 2 of 10
Regular Contributor

Re: Discover pre-approval then 5-7 day message

Skinny,

I called the backdoor number and got approved after speaking with a credit analist. They asked me if $9000 was sufficient enough to start with I said "yes" haha! Thanks, i'm glad I called! I was about to say no I want $15000!

Message 3 of 10
Regular Contributor

Re: Discover pre-approval then 5-7 day message

Good heavens!  LOL, that's great to hear.  Always a bit unsettling while talking to a credit analyst but it really does pay off at times.

I'm glad you called in and am excited for you.

 

Here's to happy credit scores!

Message 4 of 10
Regular Contributor

Re: Discover pre-approval then 5-7 day message

I'm making great progress, a little over a year and half ago, or close to that I got offered the HSBC $400 garbage offer after being declined by Discover.

Message 5 of 10
Frequent Contributor

Re: Discover pre-approval then 5-7 day message

Geat feeling aint it !! Congrats !! You must have been making wise choices Smiley Wink

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
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Message 6 of 10
Regular Contributor

Re: Discover pre-approval then 5-7 day message

Congrats Discover will grow with u Smiley Happy

Message 7 of 10
Member

Re: Discover pre-approval then 5-7 day message

You can go to their website and see what the status of your credit application is.  When I applied, t took for days to be approved for $8000.




Starting Score: 665
Current Score: 665
Goal Score: 700


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Message 8 of 10
Regular Contributor

Re: Discover pre-approval then 5-7 day message

Thanks guys, i'm done with apps now for a couple of years. I will maintain what I have and let the limits grow hopefully. 

Message 9 of 10
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Established Contributor

Re: Discover pre-approval then 5-7 day message


breakthecycle wrote:

Skinny,

I called the backdoor number and got approved after speaking with a credit analist. They asked me if $9000 was sufficient enough to start with I said "yes" haha! Thanks, i'm glad I called! I was about to say no I want $15000!


Wow that is a great limit!! Congrats!

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Message 10 of 10