I've been lurking this forum forever. Here's my story. I applied for DISCOVER MORE and got denied over the phone. I'm fresh off  ch7 bk discharged 5/2011, I should've save the equifax hard inquiry. Will Discover reconsider my application if I call back and ask to speak with a credit analyst? I currently only have 1 positive tradeline, $500 CL with CapitalOne.

Current Fico:

Experian 635

Equifax 635

Transunion 605