topic Re: Discover app in Credit Card Applications

Discover app

Anonymous — Wed, 08 Mar 2017 18:28:14 GMT

I got shot down in January, they pulled EXP and EQ. Do you think I could get approved if I freeze EQ and TU? Got a notice this morning my EXP just went up to 712.

Re: Discover app

AverageJoesCredit — Wed, 08 Mar 2017 18:32:21 GMT

FYI stak, i believe you may get a warning from mods as i believe this cant be discussed here or advocated .
Disco is a hard nut to crack. You will probably have to wait til perhaps your report strenghthens or work on whatever your denial reasons were. Youll get it though, its a pain in the butt sometimes, but eventually we crack through

Re: Discover app

Anonymous — Wed, 08 Mar 2017 23:00:02 GMT

Freezing a report may just get your app denied instantly. I wouldn't recommend it. If EXP is strong Google the CreditPulls Database and search for creditors or specific cards that ONLY pull from Experian there are a lot that will only pull Experian I know because I have 9 pulls on that but only 4 on Transunion and 2 on Equifax

Re: Discover app

Anonymous — Thu, 09 Mar 2017 01:17:56 GMT

If you want to freeze credit reports to force a pull elsewhere then that's on you but don't mention it here as that's something that isn't supported. Honestly, they pull certain reports for a reason so if those reports don't contain a strong enough history for approval then wait it out. I got denied by them in April 2015 and then got approved in July of 2015 with not much change just a few new accounts.