Contributor
grassfeeder
Posts: 88
Registered: ‎03-01-2012
how accurate is Discovers "pre-qualify"??

I know Capital One has their pre-qualify and it seems pretty clear cut.......it either finds something or tells you it doesn't.

 

I checked out Discovers page today and they seem to have the same set-up.  I ran the pre-qual and it doesn't come back quite as clear-cut in my opinion.  It recommended their normal regular card and every other one below it.

 

Mind you, I'm still awaiting my discharge later this month.  I don't even qualify for Capital One (I did include them in my BK though - only $300) - is it possible I actually qualify for Discover already?  

 

Should I wait out the discharge before doing anything?

 

Opinions or insight?

5/12- Equifax FICO -508 / TransUnion FICO -490 / Experian FAKO -550
Ch. 7 BK - 7/12 (discharge 10/12)
5/13 - EQ FICO 640

CU Sec. - $500 / Cap 1 Sec. $200