Got denied for Discover It

Anonymous · ‎08-09-2014

I'm trying to build my credit up, looks like I need to garden for a while, sit and wait for some INQ's to fall off and my score to climb.

...but I'm so impatient!!

Closingracer99 · ‎08-09-2014

@Anonymous wrote:
I'm trying to build my credit up, looks like I need to garden for a while, sit and wait for some INQ's to fall off and my score to climb.

...but I'm so impatient!!

Your scores pretty low to get approved for the Discover it card... I would wait till they are in the high 600's for the CB they ask for the report.

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

taxi818 · ‎08-09-2014

Well you have to be patient in this game.

I beleive Discover pulls for experian.

So if you really want the card. you will need to bring that score up.

Low util and 0 balance on all but 1 card. under 10 percent for a few months should do it.

depending on baddies if you have any.

your score will raise. then you jump back in the ring with discover.

Closingracer99 · ‎08-09-2014

@taxi818 wrote:
Well you have to be patient in this game.
I beleive Discover pulls for experian.
So if you really want the card. you will need to bring that score up.
Low util and 0 balance on all but 1 card. under 10 percent for a few months should do it.
depending on baddies if you have any.
your score will raise. then you jump back in the ring with discover.

They pulled TU for me I believe

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

Anonymous · ‎08-09-2014

Thanks!

I have 2 medical baddies that should be coming off soon. I will twiddle my thumbs and read more forum info in the meantime

So much to learn!

B335is · ‎08-09-2014

Discover was my dark horse for quite awhile. Even with 1 paid judgement (over 5 years) they wouldn't approve me. The day it aged off my Equifax report, I applied and was approved. Now it sits in the kitchen drawer keeping my Sportsman's Guide Visa company. Oddly Penfed cards have taken over the dark horse spot in my mind these days.

Anyways, who they pull can vary by location (as mentioned they pull EQ where I live) and reconsideration is next to non-existent. Just keep plugging away and it will come soon enough.

Closingracer99 · ‎08-09-2014

@Anonymous wrote:
Thanks!

I have 2 medical baddies that should be coming off soon. I will twiddle my thumbs and read more forum info in the meantime

So much to learn!

Once those fall off and you let your scores improve App the Capital one QS one card? Might have a better chance with that and but has a $39 AF or something

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740