Never got in w Discover

[pazuzu]

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@ddemari wrote:

With an 800 you have to be a for sure approval or if not, call them immediately for recon. My app with discover was a few months ago when I had a bankruptcy still reporting and my EQ was 670. Reason for denial= bankruptcy

At the time, my EQ report had 1% utilization, an old paid charge off from 2010 and 5 inquires. I called for recon and they told me because of bankruptcy which was almost 10 years old they could not appove me (discover never burned because I was never approved). 

I have seen on here so many people who have gotten approved 2-3 yeas out of bankruptcy so it makes no sense to me and must be an case by case situation. 

I was scanning my reports and the last three times I apped for Discover, all EQ pulls except once in 2013 it was TU pull. Im in Illinois and if Discover would pull TU for me, I feel like id get approved. 

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They're totally inconsistent on the issue of approving/denying with a BK on file. 

[Scupra]

Agreed! Apped at 22 months post d/c with an EQ score of 680 and BK was the only reason listed. Attempted to recon 4 times

[ddemari]

I wonder if i lock Eq if it will just get rejected

[Scupra]

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@ddemari wrote:
I wonder if i lock Eq if it will just get rejected

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That's what I did! The refused ot pull TU and made me unlock EQ :/ YMMV

[B335is]

Discover is definitely unpredictable with who they approve. Some people get denied with a 5 year old 30 day late, then the next person gets $8k with a 2 year old repossession.

I really dislike their customer service. They talk to me like I'm some bar hopping buddy - it's just not appropriate for a CSR to refer to me as "man." Im still out $15 from stupid shopDiscover as well. At least Ebates resolves issues. ShopDiscover seems to be hoping the issue will mysteriously disappear.

My [insert sarcasm] Discovery IT keeps my $200 Target Redcard good company in the kitchen drawer.

[juggalo9er]

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@pazuzu wrote:

Pre or post BK.

I apped twice post BK, in 2009 and 2011. I only apped the 2nd time b/c I was getting deluged with preapprovals by mail.

They cited the derog PR, of course, but they also griped about how many retail/store cards I had!

Whiskey Tango Foxtrot do they care about that as long as I pay????

I'll have as many cards of whatever type I wish!!!

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i quoted this just for the picture and nothing else!

discover denied me flat out with recon as well so i am in the same boat as you except i will never app them again.

only reason i applied was shopdiscover and upromise beats that by a long shot