Frequent Contributor
Posts: 403
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: 689 (08/15)
TU FICO: 650 (08/15)
EX FICO: 681 (08/15)
NFCU cashRewards $18k - NFCU Flagship Visa $18k - First Tech C.U. Cash Rewards $5k - Cap1 Venture - $10k - Barclays Apple Card $2k - Discover $1,000 - JCrew $4650