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Contributor
firstladyd
Posts: 143
Registered: ‎05-23-2011

What does this mean??!

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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Valued Contributor
jsucool76
Posts: 2,769
Registered: ‎12-11-2011

Re: What does this mean??!

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 Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 1500CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Moderator
Shogun
Posts: 12,872
Registered: ‎04-15-2011

Re: What does this mean??!

Yup, sounds like you're approved!


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
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Moderator
webhopper
Posts: 7,230
Registered: ‎09-16-2011

Re: What does this mean??!


Shogun wrote:

Yup, sounds like you're approved!


+1


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!



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Senior Contributor
youngandcreditwrthy
Posts: 6,137
Registered: ‎08-16-2012

Re: What does this mean??!

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
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
JonStur
Posts: 902
Registered: ‎12-25-2010

Re: What does this mean??!

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

Re: What does this mean??!

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.


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

Contributor
firstladyd
Posts: 143
Registered: ‎05-23-2011

Re: What does this mean??!

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


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Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012

Re: What does this mean??!

congrats

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k

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