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

Contributor

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


Take the FICO Fitness Challenge
Message 1 of 26
25 REPLIES
Valued Contributor

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: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

Message 2 of 26
Regular Contributor

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
Message 3 of 26
Valued Contributor

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 832 EX 783 TU 816
App free since 9/15/15
Message 4 of 26
Contributor

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
Message 5 of 26
Valued Contributor

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 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 6 of 26
Valued Contributor

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
Message 7 of 26
Established Contributor

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

Good luck. Hope you get approved

Message 8 of 26
Established Contributor

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 MC | Discover it | JCP


Message 9 of 26
Frequent Contributor

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



Message 10 of 26