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Valued Member
Reese2107
Posts: 44
Registered: ‎04-09-2013

Question about Discover Pre-Approval

Ok so heres my story with discover and overall. I recently went on an app spree...Discover It for students was one of those apps. Ithat was on July 5. There are seven total inquiries on Transunion at this moment. I was denied for the It for students due to a collection. Since then the collection has been deleted. I called back as soon as it was deleted to recon the app, however...it was the 31st day! Appafently my app had gone into archive and could not be reviewed again. Now, messing around last week i decided to mess around with their pre approved cadd checker. The ond for students said nothing, however i changed jt to average credit from a student and bam...i have been preapproved. A couple of days ago...i also got a letter from them in the shjny blue envelopd stating the same thing. So...what to do?!

 

How jnquiry sensitive are they? I have 7 on TU...whicb is apparently what they pull for me. A 691 Fico...and a preapproval. However my last app to them was July 5th! Yet they sent me the preapproval afterwards?! Please help!


Starting Score: 500's
Current Score: EQ: 664 TU: 673 EX: 700
Goal Score: 720


Take the myFICO Fitness Challenge

Cards: Citi Forward (Students): $1.5k, Wells Fargo Secured: $2k, Kay Jewelers: $300, BoA Cash Rewards (Students): $700, Buckle: $250
Community Leader
Senior Contributor
myjourney
Posts: 25,277
Registered: ‎02-07-2013

Re: Question about Discover Pre-Approval


Reese2107 wrote:

Ok so heres my story with discover and overall. I recently went on an app spree...Discover It for students was one of those apps. Ithat was on July 5. There are seven total inquiries on Transunion at this moment. I was denied for the It for students due to a collection. Since then the collection has been deleted. I called back as soon as it was deleted to recon the app, however...it was the 31st day! Appafently my app had gone into archive and could not be reviewed again. Now, messing around last week i decided to mess around with their pre approved cadd checker. The ond for students said nothing, however i changed jt to average credit from a student and bam...i have been preapproved. A couple of days ago...i also got a letter from them in the shjny blue envelopd stating the same thing. So...what to do?!

 

How jnquiry sensitive are they? I have 7 on TU...whicb is apparently what they pull for me. A 691 Fico...and a preapproval. However my last app to them was July 5th! Yet they sent me the preapproval afterwards?! Please help!


Make sure your CR's have updated first

Pre-approval means nothing tho..sorry

If you would like to share more info maybe we can help

Scores

AAoA

any more baddies

Other cards 

"Intelligence plus character--that is the goal of true education"
Cap1 EO link below
http://lmgtfy.com/?q=Capital+One+CEO+email+address+#seen
Last 5 apps 6/6/13
Valued Member
Reese2107
Posts: 44
Registered: ‎04-09-2013

Re: Question about Discover Pre-Approval

[ Edited ]

Ficos:

 TU: 691

Equifac: 664

Experian: 688

 

AAoA: 3 months

Cards: Wells Fargo Secured: 2000, BoA Cash Rewards Platinum: 3000, Citi Forward: 1500, Buckle: 250, Kay's: 300 and....no baddies...whatsoever.


Starting Score: 500's
Current Score: EQ: 664 TU: 673 EX: 700
Goal Score: 720


Take the myFICO Fitness Challenge

Cards: Citi Forward (Students): $1.5k, Wells Fargo Secured: $2k, Kay Jewelers: $300, BoA Cash Rewards (Students): $700, Buckle: $250
Community Leader
Senior Contributor
myjourney
Posts: 25,277
Registered: ‎02-07-2013

Re: Question about Discover Pre-Approval


Reese2107 wrote:

Ficos:

 TU: 691

Equifac: 664

Experian: 688

 

AAoA: 3 months

Cards: Wells Fargo Secured: 2000, BoA Cash Rewards Platinum: 3000, Citi Forward: 1500, Buckle: 250, Kay's: 300 and....no baddies...whatsoever.


How is your UTL?

AAoA is not good at all..sorry just being honest

"Intelligence plus character--that is the goal of true education"
Cap1 EO link below
http://lmgtfy.com/?q=Capital+One+CEO+email+address+#seen
Last 5 apps 6/6/13
Valued Member
Reese2107
Posts: 44
Registered: ‎04-09-2013

Re: Question about Discover Pre-Approval

its no problem. I understand its not good. lol. Utilization is at %10.


Starting Score: 500's
Current Score: EQ: 664 TU: 673 EX: 700
Goal Score: 720


Take the myFICO Fitness Challenge

Cards: Citi Forward (Students): $1.5k, Wells Fargo Secured: $2k, Kay Jewelers: $300, BoA Cash Rewards (Students): $700, Buckle: $250
Moderator
09Lexie
Posts: 24,603
Registered: ‎09-13-2012

Re: Question about Discover Pre-Approval

[ Edited ]
Community Leader
Senior Contributor
myjourney
Posts: 25,277
Registered: ‎02-07-2013

Re: Question about Discover Pre-Approval


Reese2107 wrote:

its no problem. I understand its not good. lol. Utilization is at %10.


Everything looks good except AAoA

IMHO I would wait 2-3 months and apply again I think you will have no problem being approved at that point.

Keep doing what your doing keep UTL low and I think you will be golden

"Intelligence plus character--that is the goal of true education"
Cap1 EO link below
http://lmgtfy.com/?q=Capital+One+CEO+email+address+#seen
Last 5 apps 6/6/13
Valued Contributor
djc1puno
Posts: 1,715
Registered: ‎03-07-2013

Re: Question about Discover Pre-Approval

the aaoa is low...if you do get approved it might be for the low limit...if you wait a bit for your aaoa to go up, they might give you a better starting cl :smileyhappy:



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Valued Member
Reese2107
Posts: 44
Registered: ‎04-09-2013

Re: Question about Discover Pre-Approval

Honestly, that is what im hoping for with the Discover. Therefore I will simply wait....it wont be a problem. I was just curious as to everyones opinion. Thank you.;


Starting Score: 500's
Current Score: EQ: 664 TU: 673 EX: 700
Goal Score: 720


Take the myFICO Fitness Challenge

Cards: Citi Forward (Students): $1.5k, Wells Fargo Secured: $2k, Kay Jewelers: $300, BoA Cash Rewards (Students): $700, Buckle: $250
Community Leader
Senior Contributor
myjourney
Posts: 25,277
Registered: ‎02-07-2013

Re: Question about Discover Pre-Approval


Reese2107 wrote:

Honestly, that is what im hoping for with the Discover. Therefore I will simply wait....it wont be a problem. I was just curious as to everyones opinion. Thank you.;


Your welcome glad to help and don't be a stranger hangout with the forum we will always help

"Intelligence plus character--that is the goal of true education"
Cap1 EO link below
http://lmgtfy.com/?q=Capital+One+CEO+email+address+#seen
Last 5 apps 6/6/13

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