topic Re: Discover... Sigh in Credit Card Applications

Discover... Sigh

Creditaddict — Mon, 13 Jul 2015 14:42:33 GMT

NHL® Discover it® Card Application

Thank you for considering a Discover® Card.

Unfortunately, we are unable to approve your application at this time.

In 7-10 days, you'll get a letter from us explaining why.

Re: Discover... Sigh

Creditaddict — Mon, 13 Jul 2015 14:46:16 GMT

I called... Denied for:

BANKRUPTCY

1 and only reason

I don't get it!

Re: Discover... Sigh

Anonymous — Mon, 13 Jul 2015 14:49:33 GMT

when was it discharged?

Re: Discover... Sigh

Creditaddict — Mon, 13 Jul 2015 14:50:50 GMT

@Anonymous wrote:
when was it discharged?

Chapter 13, dismissed 2010... it shouldn't be on my reports but it is on EQ because they are a worthless pesticide of a company.

Re: Discover... Sigh

Anonymous — Mon, 13 Jul 2015 14:56:37 GMT

@Creditaddict wrote:
@Anonymous wrote:
when was it discharged?
Chapter 13, dismissed 2010... it shouldn't be on my reports but it is on EQ because they are a worthless pesticide of a company.

Did you contact EQ about removing it?

Re: Discover... Sigh

Anonymous — Mon, 13 Jul 2015 14:56:49 GMT

How many times have you applied? I've applied twice and got a denial, then a secured offer which I didn't accept. I may try again.

Re: Discover... Sigh

Creditaddict — Mon, 13 Jul 2015 14:58:04 GMT

@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
when was it discharged?
Chapter 13, dismissed 2010... it shouldn't be on my reports but it is on EQ because they are a worthless pesticide of a company.
Did you contact EQ about removing it?

LOL

Re: Discover... Sigh

Creditaddict — Mon, 13 Jul 2015 14:58:50 GMT

@Anonymous wrote:
How many times have you applied? I've applied twice and got a denial, then a secured offer which I didn't accept. I may try again.

at least 6 and have gone through EO once too.

it's computer decisioned and they just don't recon and the computer does not like how much credit I have tied in with the very old bk

Re: Discover... Sigh

Anonymous — Mon, 13 Jul 2015 15:42:04 GMT

@Creditaddict wrote:
@Anonymous wrote:
How many times have you applied? I've applied twice and got a denial, then a secured offer which I didn't accept. I may try again.
at least 6 and have gone through EO once too.
it's computer decisioned and they just don't recon and the computer does not like how much credit I have tied in with the very old bk

Thats terrible.. Hang in there..

Re: Discover... Sigh

DaveInAZ — Mon, 13 Jul 2015 20:06:10 GMT

@Creditaddict wrote:
@Anonymous wrote:
How many times have you applied? I've applied twice and got a denial, then a secured offer which I didn't accept. I may try again.
at least 6 and have gone through EO once too.
it's computer decisioned and they just don't recon and the computer does not like how much credit I have tied in with the very old bk

I app'd last Oct and was instantly denied, rjection letter only cited BK & 'past or present delinquencies'. My BK7 was discharged 1/31/2010, and I don't have any lates on EQ. Yeah, recon is a waste of time - they could save alot of time by having the reps just say "if the 'puter says No then the answer is No".

Then in June weekly invite letter w/code started showing up. When I got the 3rd one I decided what the heck and app'd - instant approval w/$4k SL. I think once you've app'd they monitor your CR until they see something the like and mail invitations. I think after 6 apps & HPs they know you want the card, maybe you should consider just sitting back for awhile and see if an invite letter magically shows up. On my CR the only thing that changed since they denied me is more utilzation due to a $4k 0% BT. And a shiney new BoA CC. Myabe their magical 'puter decided "well, if he's good enough for BoA maybe he's good enough for us".

Re: Discover... Sigh

Anonymous — Mon, 13 Jul 2015 20:17:43 GMT

I upset at discover as well, luv button keeps denying me, got the card end of june. I called the regular CSR and told her i can't use the card because i spend $1500/month on expenses and $800 is not going to cut it..."sorry sir, i have no control on CLIs, the CL is based on credit report"

I like to stay at 10% utilization and with $800 CL.......? lmbo, sorry, i rather laugh than be mad.

Good luck on your next app, maybe wait six months and try again. I got denied when i applied but then another screen popped up saying i qualify for different terms. Which is fine because i dont carry a high balance, only enough to report to help my scores.

Re: Discover... Sigh

Anonymous — Tue, 14 Jul 2015 03:41:33 GMT

So let me get this straight, you were denied for a previous bankruptcy that was dismissed (not discharged)? If it was dismissed, then you have no bankruptcy right? Can't you dispute this with Equifax and upload proof that it was dismissed (or mail in proof)?

Edit: Nevermind, I get what "dismissed" means now.

Re: Discover... Sigh

Spotsy — Mon, 13 Jul 2015 20:32:06 GMT

@Creditaddict ... I sent you a PM. I got a Discover last year as a starting point. Terrible rate..but it is a rebuild process. My Chapter 7 was dismissed at the end of 2009 and is reporting to all 3 CRAs still. Got 1k starting at 24.99 Apr in November of 2014...now at $2.5k but same Apr ....I just PIF each month.

Re: Discover... Sigh

Creditaddict — Mon, 13 Jul 2015 20:41:01 GMT

@Anonymous wrote:
So let me get this straight, you were denied for a previous bankruptcy that was dismissed (not discharged)? If it was dismissed, then you have no bankruptcy right? Can't you dispute this with Equifax and upload proof that it was dismissed (or mail in proof)?

Equifax borders on illegal but they stay on legal because they allow you to dispute it but they don't allow you to state reasons outside of multiple choices on line or over the phone... most of which are:

a. I never filed for BK

b. this bk is not mine

neither of those answers are correct, it is mine and I did file... they electronically submit that to the courts which of course VERIFY that a BK was filed, BK is mine... nothing about length of time or anything like that... I have done everything but take EQ to court... I hate them, don't get me started, they should be shut down by the government, they are the worst, outdated, piece of crap... omg you got me started...

Re: Discover... Sigh

B335is — Mon, 13 Jul 2015 20:48:10 GMT

CA, I can't remember but did you ever file a CFPB complaint against EQ?

I did when they wouldn't give me the free report for decline of credit/AA and when they sent me a paper copy, I pushed it further and can finally view my free report online.

Re: Discover... Sigh

Anonymous — Mon, 13 Jul 2015 20:48:13 GMT

@Creditaddict wrote:
@Anonymous wrote:
So let me get this straight, you were denied for a previous bankruptcy that was dismissed (not discharged)? If it was dismissed, then you have no bankruptcy right? Can't you dispute this with Equifax and upload proof that it was dismissed (or mail in proof)?
Equifax borders on illegal but they stay on legal because they allow you to dispute it but they don't allow you to state reasons outside of multiple choices on line or over the phone... most of which are:
a. I never filed for BK
b. this bk is not mine

neither of those answers are correct, it is mine and I did file... they electronically submit that to the courts which of course VERIFY that a BK was filed, BK is mine... nothing about length of time or anything like that... I have done everything but take EQ to court... I hate them, don't get me started, they should be shut down by the government, they are the worst, outdated, piece of crap... omg you got me started...

When I did my last dispute with Equifax, I did it over the phone while speaking to a live human being (because none of the reasons for my dispute showed online). It seemed that they were able to select or add different dispute reasons that weren't available to me when I tried online. Have you tried doing this with a live person? If so and it didn't work, I think you're only other option would be to do it through the mail with a hand written letter along with your proof.

I also agree that EQ sucks with its dispute process, more so than the others.

Re: Discover... Sigh

Creditaddict — Mon, 13 Jul 2015 20:51:01 GMT

@B335is wrote:
CA, I can't remember but did you ever file a CFPB complaint against EQ?

I did when they wouldn't give me the free report for decline of credit/AA and when they sent me a paper copy, I pushed it further and can finally view my free report online.

yes I filed, they responded with the same BS they always do and I disputed there BS reasons as the exact reason for my case... that's the end of it.

CFPB marks it that resolution was not found but in "most cases" they stated nothing else will be done.

it worked about as well as EQ as a company works.

I want a class action but I can't find an attorney that even understands a credit report to start talking to about it let alone what is wrong with the situation!

Re: Discover... Sigh

B335is — Mon, 13 Jul 2015 20:55:07 GMT

That's crappy. It seems the CFPB doesn't pull as much weight as it ages these days. I ran into a similar deal recently with a complaint I filed against MB Financial. It's too bad, because from the start the CFPB seemed to be the one tool that had some leverage, guess it's not the case any more.

Re: Discover... Sigh

ddemari — Mon, 13 Jul 2015 20:56:37 GMT

That stinks! Discover Card will not take me in, they will not even offer me a secured card.

Re: Discover... Sigh

mikelo22 — Tue, 14 Jul 2015 00:56:38 GMT

@Anonymous wrote:
@Creditaddict wrote:
@Anonymous wrote:
So let me get this straight, you were denied for a previous bankruptcy that was dismissed (not discharged)? If it was dismissed, then you have no bankruptcy right? Can't you dispute this with Equifax and upload proof that it was dismissed (or mail in proof)?
Equifax borders on illegal but they stay on legal because they allow you to dispute it but they don't allow you to state reasons outside of multiple choices on line or over the phone... most of which are:
a. I never filed for BK
b. this bk is not mine

neither of those answers are correct, it is mine and I did file... they electronically submit that to the courts which of course VERIFY that a BK was filed, BK is mine... nothing about length of time or anything like that... I have done everything but take EQ to court... I hate them, don't get me started, they should be shut down by the government, they are the worst, outdated, piece of crap... omg you got me started...
When I did my last dispute with Equifax, I did it over the phone while speaking to a live human being (because none of the reasons for my dispute showed online). It seemed that they were able to select or add different dispute reasons that weren't available to me when I tried online. Have you tried doing this with a live person? If so and it didn't work, I think you're only other option would be to do it through the mail with a hand written letter along with your proof.

I also agree that EQ sucks with its dispute process, more so than the others.

This might be a stupid/redundant question since I know you've tried with Discover a couple times now, but have you tried just freezing your EQ report so that Discover pulls from a bureau without the BK?