topic Re: Discover More Pre Approval in Credit Cards

Discover More Pre Approval

tempusfugit123 — Tue, 10 Mar 2009 21:47:55 GMT

So I have been wanting this card for a long time and a year ago I said I would get my scores high enough to apply in July. I just received a preapproval and im really excited it says it expires at the end of the month. Do you think since I was preapproved that I could apply later and be approved because I dont want to apply now im still trying to clean up my credit report. My highest fico is TU at 734 (very excited about this I started at 456 about a year ago) and I know they pull TU for Discover alot in TX.

Who did Discover pull for you?

Re: Discover More Pre Approval

Anonymous — Tue, 10 Mar 2009 22:07:30 GMT

Pulled TU for me in AZ.

Re: Discover More Pre Approval

wajj — Tue, 10 Mar 2009 22:13:42 GMT

Pulled TU for me in OH as well

Re: Discover More Pre Approval

tempusfugit123 — Tue, 10 Mar 2009 22:18:24 GMT

Thats cool! I guess I might get lucky Im going to wait until my score is a little higher though because of everyone wanting scores above 730 now for prime cards just a little higher for me I guess.

No one really pulls TU in TX I only have one inquiry from Target and thats going to fall off soon.

Re: Discover More Pre Approval

Anonymous — Tue, 10 Mar 2009 22:56:26 GMT

TU in NY

Re: Discover More Pre Approval

Anonymous — Tue, 10 Mar 2009 23:17:55 GMT

TU in CA.

Re: Discover More Pre Approval

haulingthescoreup — Tue, 10 Mar 2009 23:33:14 GMT

Speaking for a member who's not currently active (and I've blanked on his name), EQ in East Tennessee. TU in the rest of the state.

I remember this, because it would be nice to have one legit card that pulls TU in East Tennessee. But no.

Re: Discover More Pre Approval

Anonymous — Tue, 10 Mar 2009 23:37:18 GMT

TU for me in Virginia.

Re: Discover More Pre Approval

score_building — Wed, 11 Mar 2009 00:01:16 GMT

HP on TU in nyc (they softed EQ)

Re: Discover More Pre Approval

Anonymous — Wed, 11 Mar 2009 00:13:42 GMT

TU for me in 2008 in OH.

EX for me in 2007 (when I got a denial) also in OH.

Wouldn't worry about missing out on the pre-approval if you wait 'til July. Where there's one Discover pre-app, others are sure to follow, I promise you! I took them up on the first offer that landed in my mailbox (as I was very excited to receive one, having been wanting the card enough to app and get declined a year previously!), and I received maybe 6 or 8 more within a few weeks, after I'd got my card.

If your original plan was to wait until July, I'd stick with it - the older your existing accounts, the fewer inqs you have on your reports, and the higher your scores, the better things are bound to go! If they want you as a customer now, they'll still want you in July... and maybe with a higher CL, etc etc.

Re: Discover More Pre Approval

Anonymous — Wed, 11 Mar 2009 00:27:32 GMT

TU in Texas (Plano)

Re: Discover More Pre Approval

score_building — Wed, 11 Mar 2009 00:27:44 GMT

@ fevmlo wrote:
TU for me in 2008 in OH.
EX for me in 2007 (when I got a denial) also in OH.

Wouldn't worry about missing out on the pre-approval if you wait 'til July. Where there's one Discover pre-app, others are sure to follow, I promise you! I took them up on the first offer that landed in my mailbox (as I was very excited to receive one, having been wanting the card enough to app and get declined a year previously!), and I received maybe 6 or 8 more within a few weeks, after I'd got my card.

If your original plan was to wait until July, I'd stick with it - the older your existing accounts, the fewer inqs you have on your reports, and the higher your scores, the better things are bound to go! If they want you as a customer now, they'll still want you in July... and maybe with a higher CL, etc etc.

+1

i apped on 1st preapp i got too (12/08), also received several more preapps after approval. good that you're planning to app when you know you'll feel ready. i was denied on EX more than a year prior to my approval last december.

Re: Discover More Pre Approval

Anonymous — Wed, 11 Mar 2009 01:54:25 GMT

They pulled my eq in Maryland, had a fico of 740. Got my card on Sat., 6K line. The inq put me down to 739 and then when the account reported my score went to 745. Go figure....

Re: Discover More Pre Approval

Anonymous — Wed, 11 Mar 2009 03:50:03 GMT

Just a heads up....I received a pre-approval from Discover in Dec. also. I put off apping until after it had expired. I did a cold app online instead. I was approved with a $5000 limit but did not receive the APR that I was offered in the pre-app. Several points higher...totally wishing I had waited to receive another pre-approval. I think you often get the best terms that way.

I'm in NV and they pulled EQ, my worst score, the only report still showing my 8 yr. old BK and the only report with my one baddie, a 6 yr old Dr. bill. They softed EX for the pre-approval.

Re: Discover More Pre Approval

tempusfugit123 — Wed, 11 Mar 2009 04:03:28 GMT

Thanks everyone for your answers! I believe that they will definetly pull TU because I live in Dallas and everyone I talk to that lives in the area have had TU pulled. I was going to app for this and if I was denied I was going to go with the Bofa secured instead but Im going to apply for the secured anyways and no more applying for credit for me for 2 years.