What does this mean??!

firstladyd · ‎05-23-2011

So I have been getting alot of offers in the mail (Amex, cities, discover) but don't normally respond because I get denied. I took a leap and applied for discover motivated. I wasn't instantly approved. I checked app status about an hour later and they want me to send a recent utility bill in for address verification. (I receive my mail at a po box so physical address is different. Po box is on CR) Does this mean they are going to approve me or am I getting hopes up for nothing. I currently have 680 E 679 T Fico. 5TL ,AAOA 2 YR, NO DEROGATORY but at 35% usage because of no interest store cards like best buy. What do u think hopes up for nothing or got a good shot?

Starting Score: 585
Current Score: TU 734 Walmart EQ 704 FICO EX 721
Goal Score: 750 Across the board

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jsucool76 · ‎12-11-2011

Sounds good to me. They just need to verify the application actually came from you.

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart: 1300CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL

Shogun · ‎04-15-2011

Yup, sounds like you're approved!

Starting Score: 504

Current Score: EQ FICO 819, TU08 778, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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webhopper · ‎09-16-2011

Shogun wrote:
Yup, sounds like you're approved!

+1

Starting Score: 08/29/2011 TU 671 EQ 674
Current Score (myFico + Amex): April 2013 TU 754 EQ 694 EX 694
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youngandcreditwrthy · ‎08-16-2012

Sounds approved!!!! Typically they only do addy verification if you have some type of a fraud alert on your reports or something like lifelock....

But they wouldnt go through the trouble to deny you!!! Let us know how it goes :-) I just got my Discover Motiva earlier this month... They have 100 card designs.. I got the NYC Skyline one.... Have fun getting your new Discover :-D

JonStur · ‎12-25-2010

Yea they're just trying to verify your info..

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club
BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K

nicholasyud · ‎08-13-2012

Fax them oemail them the info then call them to confirm everything else if they need......sound like you approved but they just wanna confirm your info.

firstladyd · ‎05-23-2011

Update**** Wow!! Thank you all for advice and tips you post. I did call Discover and I am approved. I am so excited!! I was so nervous and have been waiting and waiting to apply. Not really sure what I got into me to apply now but so glad I did now. I was going to wait till I got my utilization down and wait till after holidays. I am SO ecstatic. I have store cards and 1 cap 1 secured card with a low 300 limit. I am really floored and no one else seems to understand my excitement. Amex next year here I come!!

Starting Score: 585
Current Score: TU 734 Walmart EQ 704 FICO EX 721
Goal Score: 750 Across the board

Take the FICO Fitness Challenge