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Contributor
hardworker77
Posts: 90
Registered: ‎01-07-2010

In need of advice!!! Discover Recon failed.

Today I went on the Discover website to check pre-approved offers. Well usually I don't have any, but today 2 popped up. The More and Open Road Card. I was shocked. Anyway I filled out the application for the More card, and bam DECLINED!!!! Why???? Well it's because 3 medical collections on my EQ file. Keep in mind that I pay this bills every month all are 2 years old. So I called the backdoor # and get a nice CSR. She tells me that she can't re summit the application. Huh???? Doesn't sound like a Credit Analysts or Underwriter to me. Anyway told me to reapply in 6 months??? Do you guys think that I should try for another Recon. I've already bit the bullet and took the inquiry.

Valued Contributor
trumpet-205
Posts: 2,177
Registered: ‎11-11-2010

Re: In need of advice!!! Discover Recon failed.

[ Edited ]

You should know by now that preapproval is meaningless. Preapproval does not mean guaranteed approval.

 

3 COs on a credit report is a deal braker. Call the backdoor number listed on this forum, but don't get your hopes up.

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Established Member
snake1212
Posts: 14
Registered: ‎12-15-2011

Re: In need of advice!!! Discover Recon failed.

Discover is getting real tricky.  When you put your information in to check the pre-approvals the 2 that popped up were just recommended offers.  People started noticing on the forums that it doesn't say Congratulations you have been pre-approved it just says recommended offers.  If you clicked on the page that said view all offers it would of said sorry you don't have any offers.  I would try another recon and see if the analyst is more willing to work with you.

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Contributor
hardworker77
Posts: 90
Registered: ‎01-07-2010

Re: In need of advice!!! Discover Recon failed.

Thanks you guys....I will call in the a.m. maybe I'll get a nicer CSR. I don't think that she was an Underwriter or CA. Maybe I need to find another #.

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: In need of advice!!! Discover Recon failed.


hardworker77 wrote:

Thanks you guys....I will call in the a.m. maybe I'll get a nicer CSR. I don't think that she was an Underwriter or CA. Maybe I need to find another #.


I had to recon twice before approval with them, always worth a shot!

 




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Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
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Regular Contributor
altayar
Posts: 246
Registered: ‎08-19-2010

Re: In need of advice!!! Discover Recon failed.

When I applied last week, I got instant denial as well. I called the next and requested that I speak to a manager immediately without even explaining why I was calling. The managers had a meeting at that time so they took my phone number and about an hour later a manager called me. She tried to explain the same reasons that I already knew! She basically said you're history with current creditors is so short ( I had opened 4 new accounts just in May) .. but when she knew I'm a senior at college she put me on hold and came back with approval. That was the first nice manager I had ever talked to from Discover... usually they're not nice!

Contributor
hardworker77
Posts: 90
Registered: ‎01-07-2010

Re: In need of advice!!! Discover Recon failed.

Oh well. Called today and was told to pay collections off first and than they would approve me.. I guess I won't be a Discover Card holder anytime soon. Thanks for the advice.

Established Contributor
Smug
Posts: 961
Registered: ‎12-21-2010

Re: In need of advice!!! Discover Recon failed.

I had 3 CO when I was approved, so that might not be the reason... Just saying...
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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: In need of advice!!! Discover Recon failed.

Well at least you know in 6 months you'll be a cardholder! :smileyhappy:



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
migo13
Posts: 87
Registered: ‎08-17-2012

Re: In need of advice!!! Discover Recon failed.

What number did you call?

I called 888-676-3695 after being denied, have paid all collections/charge-offs as well, and the guy told me I could reapply at a later date. How exactly do you approach the recon? Did I do something incorrectly?


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