topic Re: Discover It in Credit Card Applications

Discover It

Anonymous — Mon, 02 Nov 2015 20:22:21 GMT

Thinking of appling for the Discover It. How are they with new accounts and inquires? Have a 703 Fico on the report they should pull for me.

Re: Discover It

Anonymous — Mon, 02 Nov 2015 20:57:11 GMT

I don't know about the inquiry thing -but DISCOVERIT was the FIRST card I got on my rebuild. Score was around 603 when I got it.....I think there were 2 inquiries is all - and they pulled TU.....

HTH

Re: Discover It

Anonymous — Mon, 02 Nov 2015 21:02:31 GMT

They usually pull Equifax. At least from my experience that was the only report the pulled. Capital One might be a better choice for a first card. YMMV.

Re: Discover It

Anonymous — Tue, 03 Nov 2015 00:30:32 GMT

Pulled EX and Eq.

Re: Discover It

Anonymous — Tue, 03 Nov 2015 01:15:32 GMT

They're a weird creditor. I've seen people with BK or low scores get in and then people with good scores get declined. YMMV times one thousand.

Re: Discover It

Anonymous — Tue, 03 Nov 2015 01:16:22 GMT

They don't really like inquiries I don't think. Not recent ones. My husband has good scores and was denied due to recent accounts and inquiries.

Re: Discover It

CreditCuriosity — Tue, 03 Nov 2015 01:48:33 GMT

They seem to like people just out of BK7's, dislike people with a ton of credit even with clean profiles.. Otherwise they are all over the board on whom they approve. Not really inquiry sensitive at all. Best approval chances are > 700 although a ton of exceptions to rule as alot of people get approved with 620's aka BK's or new to credit. They typically pull EQ for most, but have been known to pull TU or Exp for that matter. They are the most unpredictable of any lender on what they look for other than they like to be one of your first cards this is just my take on them.

Re: Discover It

NichelleN — Tue, 03 Nov 2015 02:08:28 GMT

They pulled Equifax for me. I had 8 inquiries at the time, 7 of which were in the last 6 months. I was just approved a couple of weeks ago with a SL of $6,500.

Re: Discover It

undrtkr65 — Tue, 17 Nov 2015 02:48:24 GMT

I jus got denied for too many recently opened accounts and credit lines being to low. Tried to recon but no go. Equifax fico was 604

Re: Discover It

Anonymous — Wed, 18 Nov 2015 20:13:31 GMT

I got approved with EQ 630, 2 inquiries and 3 baddies (not recent), $1400. Discover is weird but I'm not complaining.

Re: Discover It

Anonymous — Fri, 20 Nov 2015 05:20:28 GMT

I tried Oct 2nd. Given Joint App. Pulled EX only in Cali. Score 650?

Denial for year old collection account and inquiries. 7 total.

...i will try again.