Valued Contributor
Posts: 1,507
Registered: ‎07-24-2011
Re: Discover Approval 'Caveats'?

LS2982 wrote:

daveg38 wrote:

I will be at 87% when 1-1-13 hits...Oldest account is 9.6 years, AAoA is at 2.


EQ is showing only Cap1 AR softs, Chase soft and some irrelevant product softs (Triple Advantage, myFico, etc.)...


Wonder if an explanation of my high UTIL to recon dept. would render anything...FICO showing 571 on here...I saw on Credit Pulls database someone get a Discover More with -620.

The bolded is exactly why you were declined. Fix the util. and your FICO will go up, knock 2 birds out with 1 stone.



I beleive at this point you will just be wasting an hp.  A score that low coupled with high util does not put you in a position for them to offer you credit.  I'm sorry about your situation with Sandy, I know this has to be some very trying times for you.  I wish you the best.

Major CC's - Barclay's ($5.5K) | Barclay's Sallie Mae MC ($5K) | DCU ($7.5K) | Discover IT ($1.4K) | Genisys Visa ($1.4K) | NFCU Visa ($22K) | Navcheck ($15K) | Chase Freedom ($5K) | SDFCU Visa ($8K) | Amex BCP ($9.5K) | Amex Delta ($10K) |Store CC's| -Amazon ($4K) | Catherines ($850) | JCP ($4K) | Macy's ($1.7K) | Avenue ($850) | Victoria's Secret ($1.4K) | Walmart ($4.1K) | Paypal SC ($1.3K) | HSN ($2.5) | Sears ($2.6K) | Sams Club ($4.1K) |Goal|: Age with grace to 750 across the board |Last app|: 3/3/2014