topic Re: Discover didn't pull my credit in Credit Cards

Discover didn't pull my credit

icyhot — Wed, 27 May 2015 03:05:49 GMT

In a moment of weakness I applied for the Discover IT (again) It was denied but I haven't gotten any notification that there's an inquiry. Perhaps Discover is doing the same as Barclays and not even considering me cuz I've applied so much. So now the only INQs I have this month is from the CLI on my Fidelity Amex on TU and from DirectTV on my EQ, which is the least I've had in months. I'm trying to be all clear from June to December, when all my 2013 INQs will fall off my report

Re: Discover didn't pull my credit

ksantangelo23 — Wed, 27 May 2015 03:19:52 GMT

@icyhot wrote:
In a moment of weakness I applied for the Discover IT (again) It was denied but I haven't gotten any notification that there's an inquiry. Perhaps Discover is doing the same as Barclays and not even considering me cuz I've applied so much. So now the only INQs I have this month is from the CLI on my Fidelity Amex on TU and from DirectTV on my EQ, which is the least I've had in months. I'm trying to be all clear from June to December, when all my 2013 INQs will fall off my report

Possible it may be delayed monitoring, but CK and CS has always been (eerily) instantaneous when it comes to inquiry alerts.

Re: Discover didn't pull my credit

Anonymous — Wed, 27 May 2015 03:21:39 GMT

@ksantangelo23 wrote:
@icyhot wrote:
In a moment of weakness I applied for the Discover IT (again) It was denied but I haven't gotten any notification that there's an inquiry. Perhaps Discover is doing the same as Barclays and not even considering me cuz I've applied so much. So now the only INQs I have this month is from the CLI on my Fidelity Amex on TU and from DirectTV on my EQ, which is the least I've had in months. I'm trying to be all clear from June to December, when all my 2013 INQs will fall off my report
Possible it may be delayed monitoring, but CK and CS has always been (eerily) instantaneous when it comes to inquiry alerts.

I can't seem to trigger CK early anymore. Must be the freezes on all files.

Re: Discover didn't pull my credit

Anonymous — Wed, 27 May 2015 06:22:16 GMT

I just app'd for another Venture last night & looked for the inquries. Only EX had reported. Today they're all there. Strange thing is, that EX stood the same with the inquiry & the first Venture card reporting. TU & EQ actually went up? Just when you think you have a tidbit of how things work, they seem to surprise you!

Re: Discover didn't pull my credit

Anonymous — Wed, 27 May 2015 10:55:43 GMT

I apped for the BCE three weeks ago and I still haven't seen the inquiry show up on CK or MyFico.

Re: Discover didn't pull my credit

Anonymous — Wed, 27 May 2015 15:04:57 GMT

@Anniepoo, were you denied? If your already an Amex cardholder it's only a soft pull when denied.

Re: Discover didn't pull my credit

Anonymous — Wed, 27 May 2015 15:33:49 GMT

@Anonymous wrote:
I apped for the BCE three weeks ago and I still haven't seen the inquiry show up on CK or MyFico.

If it was an EX pull, which it usually is with Amex, it won't show up on CK. As for MyFico, I haven't gotten an alert for my SimplyCash, and I know the inquiry is there since I checked my EX file. Which causes me to wonder why I'm paying for the service.

Re: Discover didn't pull my credit

ddemari — Wed, 27 May 2015 16:21:32 GMT

If u applied within 40 days of last decline they auto decline without a hard. Has happened to me a few times like barclays

Re: Discover didn't pull my credit

CreditCuriosity — Wed, 27 May 2015 17:51:23 GMT

@Anonymous wrote:
@Anonymous wrote:
I apped for the BCE three weeks ago and I still haven't seen the inquiry show up on CK or MyFico.
If it was an EX pull, which it usually is with Amex, it won't show up on CK. As for MyFico, I haven't gotten an alert for my SimplyCash, and I know the inquiry is there since I checked my EX file. Which causes me to wonder why I'm paying for the service.

I am so cancelling the service as it is slow and half the time doesn't catch stuff and have to buy a report if you really want to see the updated score even.. It is a mess, really it is.. We are just Beta testers that are paying for a buggy product.

Use Credit Secure unlimited for daily monitoring and if I need a report I will just pay the price for it and order one from here. vs. a service that very unreliable.

Re: Discover didn't pull my credit

Anonymous — Wed, 27 May 2015 18:16:06 GMT

@Anonymous wrote:
@Anniepoo, were you denied? If your already an Amex cardholder it's only a soft pull when denied.

No, I was approved. It is my first AmEx product, so surely there was a hard pull associated with the application.

Re: Discover didn't pull my credit

Anonymous — Wed, 27 May 2015 18:16:59 GMT

@Anonymous wrote:
@Anonymous wrote:
I apped for the BCE three weeks ago and I still haven't seen the inquiry show up on CK or MyFico.
If it was an EX pull, which it usually is with Amex, it won't show up on CK. As for MyFico, I haven't gotten an alert for my SimplyCash, and I know the inquiry is there since I checked my EX file. Which causes me to wonder why I'm paying for the service.

True, true! The letter they sent with the card had my Ex score on it. But still, why didn't I get an alert from MyFico? Odd.

Re: Discover didn't pull my credit

amakol — Wed, 27 May 2015 18:30:21 GMT

If I had to choose a side I'd put all my chips on one of the tracking services not catching it over a bank not using a HP for a new account

Always follow who's got more money involved. If you really only got SP approved, awesome. Great luck.

Though CS has been eerily on top of new inquiries (minutes after I get a new HP) while CK has been updated within 24 hours.

Re: Discover didn't pull my credit

Anonymous — Wed, 27 May 2015 21:56:21 GMT

ever since CK changed their system, where you could easily see your older scores, they dont update anything immediately anymore. for me its only once a week.