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Question about Discover Recon

Valued Contributor

Question about Discover Recon

My wife received an invite to apply for the Discover More card. She called and was denied. I gave her the recon# and the lady just told her that they could not currently reevaluate the application. So should she just let it go or try to recon again?

 

Her current EQ FICO they pulled is 633.

 

She had several settlements and derogs several years ago, but nothing since then. 

 

Thanks

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 1 of 6
5 REPLIES
Established Contributor

Re: Question about Discover Recon


j_casteel wrote:

My wife received an invite to apply for the Discover More card. She called and was denied. I gave her the recon# and the lady just told her that they could not currently reevaluate the application. So should she just let it go or try to recon again?

 

Her current EQ FICO they pulled is 633.

 

She had several settlements and derogs several years ago, but nothing since then. 

 

Thanks


yes try again, she already took the hard pull. Don't give up.  Though i'm not sure if her score is high enough, but i'm no expert here. I was approved with a 692 i believe, but ya it's worth it to try again!

Capital One QuickSilver MC $4.5K | Walmart $5K (CLOSED) | BOA Cash Rewards Sig $6.5K | BOA BBR $1K | Discover IT $13.5K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $6k | PNC Auto Loan $20,038.75 | AMEX SimplyCash Biz CC $3k | BOA Cash Rewards Biz CC $3.5K | Chase Freedom Sig $8K | CapOne Spark BIZ Cash Visa Sig $5k | AMEX SimplyCash Biz CC $10k (LLC) | AMEX Everyday $2k | Sallie Mae WMC $6.4K | Citi Double Cash WEMC $6.2k | DCU Visa Platinum $1K (CLOSED0 | PSECU Visa w/PSL $8k | Chase Ink Cash BIZ Sig CC $3k | FNBO Biz Visa $9.5K | AMEX SimplyCash Plus BIZ CC $10k | Fidelity Rewards Visa Sig $4.7k | AARP Visa $500 |
Message 2 of 6
Valued Contributor

Re: Question about Discover Recon


linux007969 wrote:

j_casteel wrote:

My wife received an invite to apply for the Discover More card. She called and was denied. I gave her the recon# and the lady just told her that they could not currently reevaluate the application. So should she just let it go or try to recon again?

 

Her current EQ FICO they pulled is 633.

 

She had several settlements and derogs several years ago, but nothing since then. 

 

Thanks


yes try again, she already took the hard pull. Don't give up.  Though i'm not sure if her score is high enough, but i'm no expert here. I was approved with a 692 i believe, but ya it's worth it to try again!


thats what i told her. she's going to try again tomorrow, and perhaps one more time after that. after three recons and if still not approved i think she may just call it quits and try again later. she's just kind of dissappointed that she got the invite in the mail and now that act like she's contagious to be around. 

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 3 of 6
Valued Contributor

Re: Question about Discover Recon

Before you try a recon wait until you receive the denial letter. Depending for what reason Discover denied the application you may  or may not want to do the recon.

Equifax My FICO score 814 11/29/2016, Discover TU FICO 807 12/29/2016 Citibank Equifax Bankcard FICO score 827 12/27/2016 Average of Accounts 13 years and no Installment accounts, 1 TU inquiry in 2015
Message 4 of 6
Valued Contributor

Re: Question about Discover Recon

i heard someone recon 3 times and get success......Try harder.....Ask them why they give her invite to apply and then denied.

Call backdoor number ....


Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 5 of 6
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Community Leader
Senior Contributor

Re: Question about Discover Recon


nicholasyud wrote:

i heard someone recon 3 times and get success......Try harder.....Ask them why they give her invite to apply and then denied.

Call backdoor number ....


I would echo AndySoCal's comments.

 

Plus, not all reconsideration attempts are successful.  As encouraging as your above statement may seem, the OP is best to at least determine why the decline occurred in the first place.  This way, they can plan their strategy to have the application reconsidered based on the denial reasons.  Most underwriting departments keep analysts' notes on their systems documenting the previous decision(s) as applicable.  Often times desperate attempts to have something reconsidered or overturned based on an HP is not always worth it.

 

Additionally, the CSR or credit analyst will not know why they were invited to apply.  Solicitations (pre-approvals, pre-selected offers, etc.) are sent from the marketing divisions from most lenders or partner companies.  As with any type of solicitation, there is no guarante of approval, it is simply a pre-screened offer.

Message 6 of 6