cancel
Showing results for 
Search instead for 
Did you mean: 

Should I apply for discover it?

tag
juggalo9er
Valued Contributor

Re: Should I apply for discover it?

is your pre app coming from the discover website? if it is i believe they give everyone a pre approval now, they did me the day after i was denied

Message 11 of 27
TVP125
New Contributor

Re: Should I apply for discover it?

Ever since Discover changed there pre approval system it is unclear whether it is a actual pre approval or not on there site. Unless im missing something when I last looked at it. 

Thank You!
Message 12 of 27
Chrisla2077
Established Contributor

Re: Should I apply for discover it?

You guys were right..I went ahead and jumped the gun. They denied me due to Judgement, Collection, charge-off...even after pre-approval Smiley Sad

Message 13 of 27
myjourney
Super Contributor

Re: Should I apply for discover it?


@leirbag4 wrote:

You are right i might just buy it from myfico.com website to see exactly where i stand at.

Btw do yall know if they provide all 3 agencies scores..?


Yes all 3 Fico scores are provided here TU 08 EX 08 EQ 08

Forum trick

Quoting 

Under the message you wish to reply to 

Click repy 

Top right hand corner 

Click quote 

Enter response 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 14 of 27
B335is
Moderator Emeritus

Re: Should I apply for discover it?


@Chrisla2077 wrote:

You guys were right..I went ahead and jumped the gun. They denied me due to Judgement, Collection, charge-off...even after pre-approval Smiley Sad


Sorry Smiley Sad

 

Discover is really iffy for folks with negatives, but I'm surprised they gave you a preapproval to begin with.

 

Message 15 of 27
juggalo9er
Valued Contributor

Re: Should I apply for discover it?

they will give anyone a pre approval....type in private parts with a social of 100 00 0000 and it will come back with a pre approval. another useless pre approval site

Message 16 of 27
TVP125
New Contributor

Re: Should I apply for discover it?

A few months ago when I applied for Discover they declined my app due to "Collections" but offered the Secured card in its place. But it appears the secured offer is hit and miss also with them. 

Thank You!
Message 17 of 27
leirbag4
New Visitor

Re: Should I apply for discover it?


@TVP125 wrote:

A few months ago when I applied for Discover they declined my app due to "Collections" but offered the Secured card in its place. But it appears the secured offer is hit and miss also with them. 


what was your score when you applied with them at the time?




 

Message 18 of 27
bk510
Valued Contributor

Re: Should I apply for discover it?


@leirbag4 wrote:

Honestly im not sure.. i have a barclaycard which provides a fico score and its 689 but i dont know if its the one from Ex Eq or Tu.

Capital one has a tool call track my credit and its provided by TU which is 673 


Barclay, Walmart, Discover all from TU.

Cap1 same as CreditKarma.

 photo QS visa_zps7zokw2wl.jpg photo QS visa_zps7zokw2wl.jpg photo Venture One_zpsigvttrlz.jpg photo Sony Visa_zpsxoradr1b.jpg photo USC Reward_zpslcvjfxmq.jpg photo Penfed Promise_zpsdg1y2dw2.png photo NasaFcu_zpswac3zwcu.jpg photo America_zpsuwx8rzdm.jpg photo LA-Kings-card_zpslbkyeqsz.png photo Barclay_zpslqv3i4tl.jpg photo BBVA_zpsqrhh7omh.jpg
 photo nfcu debit card_zpsprkh98jw.png photo nfcu visa siggy_zps0gjgyxje.png/ photo nfcu goReward card_zpsixhh1qcp.jpg photo sdfcu platinum card_zpspilihdiv.png  photo penfed reward cash_zpsyckxjc7y.png photo alliant visa_zpsaf4udfx0.jpg photo Citi Secured_zpsypzxi0jm.png photo fnbo platinum_zpsxfub6esb.png photo marvel-credit-card_zpsfkvc3ux5.png photo golden 1 CU_zpslhgxynjv.pngBurned AECitiChase
Message 19 of 27
bk510
Valued Contributor

Re: Should I apply for discover it?


@Chrisla2077 wrote:

This is the first offer I've every been able to get in terms of Unsecured ....my trigger finger is itching but I'm scaaarreeeddd.


You wanna be at least 600 fico....to have a shot.

 photo QS visa_zps7zokw2wl.jpg photo QS visa_zps7zokw2wl.jpg photo Venture One_zpsigvttrlz.jpg photo Sony Visa_zpsxoradr1b.jpg photo USC Reward_zpslcvjfxmq.jpg photo Penfed Promise_zpsdg1y2dw2.png photo NasaFcu_zpswac3zwcu.jpg photo America_zpsuwx8rzdm.jpg photo LA-Kings-card_zpslbkyeqsz.png photo Barclay_zpslqv3i4tl.jpg photo BBVA_zpsqrhh7omh.jpg
 photo nfcu debit card_zpsprkh98jw.png photo nfcu visa siggy_zps0gjgyxje.png/ photo nfcu goReward card_zpsixhh1qcp.jpg photo sdfcu platinum card_zpspilihdiv.png  photo penfed reward cash_zpsyckxjc7y.png photo alliant visa_zpsaf4udfx0.jpg photo Citi Secured_zpsypzxi0jm.png photo fnbo platinum_zpsxfub6esb.png photo marvel-credit-card_zpsfkvc3ux5.png photo golden 1 CU_zpslhgxynjv.pngBurned AECitiChase
Message 20 of 27
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.