topic Re: Discover Recon in Credit Card Applications

Discover Recon

Anonymous — Tue, 09 Jun 2015 19:28:01 GMT

Got my denial letter today, said too many inquiries, derogatory public record, even though it was paid in 2011 ugh lol. Length of accounts have been established. They offered the cosigner account, which I declined. So i want to recon, are they easy to recon with? What should I say? I need help from the Discover family please! Lol

Re: Discover Recon

TRC_WA — Tue, 09 Jun 2015 19:45:24 GMT

AFAIK they don't recon. I don't think I've seen a single report of a denial turned into approval via recon.

I was denied in 2013... 4 years after filing BK13.

I was approved in 2014... 5 years after filing BK13.

One $500 CLI to $2k... repeated denials since... citing the BK13. They were NOT included in the filing... this is my first ever account with them.

Re: Discover Recon

Anonymous — Wed, 10 Jun 2015 04:33:18 GMT

Interesting

Re: Discover Recon

Anonymous — Wed, 10 Jun 2015 05:07:23 GMT

Ive been denied by them for the past 3 years for a state lien that I have. Then 3 weeks ago I applied agian but this time for the Discover NHL card. I got denied for the current offer wich was the 0% apr for 12 months but then I got a meesage saing I got approved for a the same card with the saem perks but no 0% apr for 12 months. So I would recomed trying for the NHL card.

Re: Discover Recon

Anonymous — Wed, 10 Jun 2015 05:07:57 GMT

It depends with Discover. I find that there is no rhyme or reason to approvals or CLIs. I have had an account with them for over a year and I have been unable to figure out the magic formula for them. Since I have had my account, i have had one HP CLI of 1k. I am now out of my introductory period, but I still haven't received any auto luv. All i can say is be patient and apply again in a few months if you really want the card. Stay positive!!! Stay focused!!!

Re: Discover Recon

Anonymous — Wed, 10 Jun 2015 05:20:35 GMT

Of course, this is one of my goal cards. I might just wait it out garden and reapply later on like you said

Re: Discover Recon

Anonymous — Wed, 10 Jun 2015 05:38:39 GMT

Gardening is NOT a bad thing. It can only help. I garden often. I do it on my own a few months at a time. It works for me. I will be heading to the myFICO garden around September (I think?). One of my 2015 goals is to increase my CLs and some of my cards require HPs to do so. That's the only reason why I'm m not gardening now. Again, stay focused on your goals and you WILL achieve them. Keep me posted regarding Discover. See you around the forum and in the garden. 😄

Re: Discover Recon

Anonymous — Wed, 10 Jun 2015 05:36:23 GMT

Or should I actually try for this NHL Discover It card? Are you saying that the underwriting is different for that card?

Re: Discover Recon

Anonymous — Wed, 10 Jun 2015 05:36:35 GMT

Thanks

Re: Discover Recon

Anonymous — Wed, 10 Jun 2015 05:39:52 GMT

You're welcome!

Re: Discover Recon

-Cain- — Wed, 10 Jun 2015 05:44:11 GMT

@Anonymous wrote:
Or should I actually try for this NHL Discover It card? Are you saying that the underwriting is different for that card?

I believe it's the same card. It's an It card.

Re: Discover Recon

Anonymous — Fri, 12 Jun 2015 04:12:50 GMT

His profile must have just improved from that point then

Re: Discover Recon

B335is — Fri, 12 Jun 2015 06:00:05 GMT

Discover rarely overturns a denial I hate to say. Only when my report was totall clean did they finally approve.

Re: Discover Recon

Anonymous — Fri, 12 Jun 2015 06:29:15 GMT

Ok. I guess I should try anything and everything to get that judgment removed. It is paid. Won't fall off until December 2018 though ugh.

Re: Discover Recon

Anonymous — Fri, 12 Jun 2015 14:59:35 GMT

I got it last month with a unpaid judgement. It's 6+ years old. Don't know if that was the factor.

Re: Discover Recon

Imperfectfuture — Fri, 12 Jun 2015 17:08:20 GMT

@B335is wrote:
Discover rarely overturns a denial I hate to say. Only when my report was totall clean did they finally approve.

Same here. Not to say they overlook some baddies, but mine was WEALLY bad (eq 573 fico, thought the fako scores were real when I applied ).

1.5 or less year later, report cleaned, instant approval after uploading ID docs (first to ask, maybe computer trying to wrap head around the last app and improvement in profile ). I like my discover, will need to figure best method for portal. Still shopping on amazon, got deal on heinlein's starship troopers today (only do ebooks, saves so much room).

Re: Discover Recon

redpat — Fri, 12 Jun 2015 20:34:54 GMT

@Anonymous wrote:
Of course, this is one of my goal cards. I might just wait it out garden and reapply later on like you said

You had a good run lately now is the time to let things settle down and let everything age and stop apps.

Too much to soon isn't a good thing.

Re: Discover Recon

Anonymous — Sat, 13 Jun 2015 15:22:06 GMT

After I got approved I even received the letter saying "Yiu ha e been denied for the reason "Lien" but you're approved for this other offer.

It's like aping for a Cap One Quicksilver Visa Signeture and getting denied but the site offers you the Quicksilver Visa. All I'm saying is go for the NHL card that's where luck changed for me.