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Contributor
Mistakes
Posts: 78
Registered: ‎10-19-2011

Received pre-approval for Discover. Applied and Denied. should I recon?

My EQ is 624 and TU is 690.  EQ has 6 inq and TU has 2, they pulled EQ.  How do I recon, what do I say?


Starting Score: EX649/EQ637/TU611
Current Score: EX649/EQ637/TU620
Goal Score: 750+ ALL 3 by December 2012


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Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012

Re: Received pre-approval for Discover. Applied and Denied. should I recon?

What your reason of denial ?????


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


Walmart: 10k |Usaa: 8k|BCE: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k

Regular Contributor
remarc
Posts: 170
Registered: ‎03-05-2012

Re: Received pre-approval for Discover. Applied and Denied. should I recon?

They are sending them out everywhere at the moment. My wife & I both got one & were already with Discover.

I think your scores are too low for discover but you never know. They tend to pull EX or EQ.

Look in the backdoor number tread for the recon
Valued Contributor
Epcot
Posts: 2,777
Registered: ‎10-10-2012

Re: Received pre-approval for Discover. Applied and Denied. should I recon?

I would definitely recon, you already took the HP!


Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Contributor
Mistakes
Posts: 78
Registered: ‎10-19-2011

Re: Received pre-approval for Discover. Applied and Denied. should I recon?

They said too many inquiries and I had 2 30 day lates from Feb/mar 2011 from when I was deployed.   I've never  done a recon before, Do I just call and ask to be   reconsidered?


Starting Score: EX649/EQ637/TU611
Current Score: EX649/EQ637/TU620
Goal Score: 750+ ALL 3 by December 2012


Take the FICO Fitness Challenge
Valued Contributor
injustifiiable
Posts: 1,842
Registered: ‎03-30-2012

Re: Received pre-approval for Discover. Applied and Denied. should I recon?


Mistakes wrote:

They said too many inquiries and I had 2 30 day lates from Feb/mar 2011 from when I was deployed.   I've never  done a recon before, Do I just call and ask to be   reconsidered?


YES...just tell them that. You have a good reason and they should be able take care of you especially since you went and fought for us!

 

Scores 6/17/2014: TU FICO: 643 | EQ FICO: 675 | EX AMEX FICO: 666

In my new wallet: American Express Premier Rewards Gold EMV: NPSL | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1250 | Target: $400 | J.Crew $2750
Valued Contributor
tray
Posts: 1,349
Registered: ‎01-29-2008

Re: Received pre-approval for Discover. Applied and Denied. should I recon?


injustifiiable wrote:

Mistakes wrote:

They said too many inquiries and I had 2 30 day lates from Feb/mar 2011 from when I was deployed.   I've never  done a recon before, Do I just call and ask to be   reconsidered?


YES...just tell them that. You have a good reason and they should be able take care of you especially since you went and fought for us!

 


+1 i agree with this poster also, explain your inquiries and tell discover about your deployment, discover is open 24/7 so you can speak with a credit analyst and if your TU score is actually at 690 I would ask to have that credit reported pulled if it was not already, good luck!!!


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: Received pre-approval for Discover. Applied and Denied. should I recon?

Good luck. Hope you get approved

Established Contributor
adavis425
Posts: 512
Registered: ‎02-14-2012

Re: Received pre-approval for Discover. Applied and Denied. should I recon?


Epcot wrote:

I would definitely recon, you already took the HP!


ALWAYS recon!

AmEx Platinum | AmEx BCP | AmEx Delta Gold | CSP | Chase Freedom | NFCU cashRewards Visa Sig | NFCU Plat MC | WM Discover | Discover it | JCP


Frequent Contributor
JPersat
Posts: 299
Registered: ‎05-28-2012

Re: Received pre-approval for Discover. Applied and Denied. should I recon?

Recon. My EQ was 628 and I was approved.

Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660




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