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

Established Contributor

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


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


+1

 

Before I opted out of prescreens, I would get weekly pre approvals from Discover.  They totally buy info from the CRAs

Message 11 of 26
Contributor

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

OMG! Just hung up with Discover and the guy approved me!!!!!!  1000k to start but I'll take it!


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


Take the FICO Fitness Challenge
Message 12 of 26
Valued Contributor

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

Great, Congrats! Smiley Happy

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 13 of 26
Valued Contributor

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

Good For you, congrats Always at least ask for reconsideration as you never now what the outcome will be!!!!Smiley Happy


Starting Score: EQ 546 TU 566
Current Score: EQ 693TU 08 729 EX 08 738Need to Garden/New Accounts
Goal Score: 800
Message 14 of 26
Moderator Emeritus

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

Great news! If you are still in the military I recommend navy federal credit union!

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score: TU 754 EQ 694 EX 697
Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k
Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when?
MyFICO Fitness Goal: 800s Club!



Take the myFICO Fitness Challenge
Message 15 of 26
Contributor

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

yay for Discover!!!  I got approved today too!! I got a pre-approved letter in the mail a couple days ago...

I was shocked that I was approved with only a few months of history. lol.

Smiley Happy


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Message 16 of 26
Established Contributor

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

OP did you ever try to goodwill the lates off your report with proof you were deployed at the time? you can aruge internet access was not always there.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Message 17 of 26
Contributor

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

I'm still active duty, 13 years now and still having fun!  I went through a nasty divorce  and left NFCU but have just reopened my accounts! NFCU gave me 5k on the N rewards card and USAA started me at 3k MC.  Just moved my direct deposit to NFCU so I'm hoping for a nice cli soon.  I really wish I would've found these forums earlier, they would've helped me so much!

 

thank you so much everyone!


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


Take the FICO Fitness Challenge
Message 18 of 26
Valued Contributor

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


Mistakes wrote:

I'm still active duty, 13 years now and still having fun!  I went through a nasty divorce  and left NFCU but have just reopened my accounts! NFCU gave me 5k on the N rewards card and USAA started me at 3k MC.  Just moved my direct deposit to NFCU so I'm hoping for a nice cli soon.  I really wish I would've found these forums earlier, they would've helped me so much!

 

thank you so much everyone!


Congrats on the approvals. Also keep in mind that most banks are very friendly to service members. For example Chase and US Bank will give you high tier checking and savings account with the fee's permanently waived. These will give you addition perks with their corresponding credit cards. Also, it will get you stuff like checks and safety deposit boxes either free or discounted. Thank you for your service.

 

US Bank waives the fee on this:

https://www.usbank.com/package/platinum.html

 

Chase waives the fee on this:

https://www.chase.com/online/military/military-personal.htm

 

I think most banks will offer some kind of fee waiver. So if you ever need a checking account with a bank for any reason. Be sure to tell them you are in the military and see what they can offer.

 

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 19 of 26
Frequent Contributor

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


Mistakes wrote:

OMG! Just hung up with Discover and the guy approved me!!!!!!  1000k to start but I'll take it!


congratulations!

 

and thanks for your service to our country Smiley Happy 


BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ...
Chase Freedom visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787
Message 20 of 26