topic Re: Discover Approval Process in Credit Cards

Discover Approval Process

creditstalker — Tue, 14 Apr 2015 14:14:52 GMT

My TU Credit Card FICO 4 is 634 what are my chances of approval?

Re: Discover Approval Process

patrick00032001 — Tue, 14 Apr 2015 14:28:41 GMT

Discover will pull Equifax, usually your FICO 8 score. Good luck!

Re: Discover Approval Process

Anonymous — Tue, 14 Apr 2015 18:20:00 GMT

That's a low score for Discover. Try gardening for a year.

Re: Discover Approval Process

gdale6 — Tue, 14 Apr 2015 19:15:59 GMT

I would consult the credit pulls and who gave me credit databases to see what scores people were approved at and what bureau might be pulled in your state.

Re: Discover Approval Process

Anonymous — Tue, 14 Apr 2015 23:55:05 GMT

@patrick00032001 wrote:
Discover will pull Equifax, usually your FICO 8 score. Good luck!

Discover only pulled TU for me, not EQ. It's regional.

OP: that's on the low end but if your credit profile is thin and clean it's more likely than if you have a couple dings. You could be countered with the secured card or the joint card if you don't fit their criteria for a single holder unsecured card.

Re: Discover Approval Process

Closingracer99 — Wed, 15 Apr 2015 01:07:27 GMT

Discover pulled TU only for me and I got approved with no credit history at all

Re: Discover Approval Process

Anonymous — Wed, 15 Apr 2015 01:10:51 GMT

I applied for Discover It because I heard they pull EQ and that is by far my highest score. I was approved for an $800 CL. Later I learned that for some reason they did not pull EQ, they pulled EX. My score there is only 650, so who knows? Maybe try there pre-qual site first, that's what I did. If I did't get an offer there, I wasn't going to apply.

Re: Discover Approval Process

L-TWT — Wed, 15 Apr 2015 01:16:53 GMT

I guess it is regional, Discover pulled TU for me (live on East coast)

Besides your stated credit score, how well established is your credit file? If good, your chances maybe better than you think!

Re: Discover Approval Process

Closingracer99 — Wed, 15 Apr 2015 01:17:40 GMT

@Anonymous wrote:
I applied for Discover It because I heard they pull EQ and that is by far my highest score. I was approved for an $800 CL. Later I learned that for some reason they did not pull EQ, they pulled EX. My score there is only 650, so who knows? Maybe try there pre-qual site first, that's what I did. If I did't get an offer there, I wasn't going to apply.

Their " pre qualify " page doesn't really tell you anything tbh....

Re: Discover Approval Process

Anonymous — Wed, 15 Apr 2015 01:26:12 GMT

@Closingracer99 wrote:
@Anonymous wrote:
I applied for Discover It because I heard they pull EQ and that is by far my highest score. I was approved for an $800 CL. Later I learned that for some reason they did not pull EQ, they pulled EX. My score there is only 650, so who knows? Maybe try there pre-qual site first, that's what I did. If I did't get an offer there, I wasn't going to apply.
Their " pre qualify " page doesn't really tell you anything tbh....

Lol, I was JUST coming here to edit my post after reading that other pre-approval link thread. I didn't realize that their pre-qual site was useless until I read that thread. Sorry, OP, DO NOT take my advice about using Discover's pre-qual site.