Frequent Contributor
Posts: 375
Registered: ‎03-01-2012
how accurate is Discovers "pre-qualify"??

I know Capital One has their pre-qualify and it seems pretty clear 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?

Filed BK7: 7/12 (discharge 10/12) 5/12- EQ FICO - 508 / TU FICO - 490
EQ FICO: 672 (10/14)
TU FICO: 648 (10/14)
EX FICO: 667 (10/14)
NFCU cashRewards $18,000 - NFCU Flagship Visa $18,000 - First Tech C.U. Cash Rewards $5,000 - Barclays Apple Card $2,000 - JCrew $4650
In the garden starting 3/1/14 till ???