Discover

[Anonymous]

As you all may know, I have been adding alot of new cards to my wallet. I have been eyeing disco for a while now. I applied like 3 months ago and was declined due to too many inq...... I had a FICO of 658 at the time and now have a 702. Do i have any chances of getting in?

[Anonymous]

With Discover, you never know who will get approved and who won't. If you decide to try again I wish you luck!

[CatOfSpades]

If you had too many inquiries 3 months ago, I imagine you still have too many inquiries now. It doesn't matter that your score has gone up. You were turned down for inquiries. Discover isn't going anywhere. Wait it out. Three more months at least.

[Anonymous]

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@Anonymous wrote:

As you all may know, I have been adding alot of new cards to my wallet. I have been eyeing disco for a while now. I applied like 3 months ago and was declined due to too many inq...... I had a FICO of 658 at the time and now have a 702. Do i have any chances of getting in?

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Discover does not just look at your score during an approval but your entire credit file.  If you were declined for many inquiries then I suggest you wait a year for the inquiries to age and then apply.

[ronstar7]

Hello,

I agree I would wait for the inq to age more. I was just approved and my socres are lower than yours but i didnt have any inq in 18 months so that could have helped. At least the reason for denial is a free fix and not something you have to pay for to clean up Good luck!

[RonM21]

I'm with the others. From a score standpoint, I think you would be highly likely to get it. But when they look at the overall picture, it changes the situation.

[kdm31091]

It's not just about score. If too many inquiries were truly the problem, then 3 months likely isn't long enough to fix that. Most "too many inquiries" denials are focusing on the past 6 - 12 months, so the inquiries don't have to fall off completely, but you need to let them age more.