topic Re: Interesting Discover datapoint in Credit Cards

Interesting Discover datapoint

AverageJoesCredit — Sat, 11 Nov 2017 01:04:33 GMT

Back in late October as i hit the luv button hoping to get a cli , i finally ,after a year with my account, got a 2 day review message instead of the ubiquitous 3-5 day message. As per usual with Discover, denied.

Recieved the letter today. I was astounded to find out that they actually tried pulling Equifax, whom i loathe, and seems all my creditors want to use for cli etc. They said due to my report being frozen i could try again in 7 days from date of this letter, which was from 24 Oct , which would have been 1 Nov, today letter came on 10 Nov.

Once again Disco and their love for Equihack. I mean they give us Fico 8 TU, Fico 8 Ex on Scoreboard and they are lame enough to want to pull the most inept cba there is to verify my credit worthiness. Seriously. CC, i truely feel you . This is the final nail in the coffin for me. I may be wrong but dang Disco , decent spend , for my limit , good payment history and overall good credit management overall isnt enough i guess.

So apart from this curveball for me i guess my point for the data point is just be wary if you get a 2 day message and your credit reports are frozen, good chance you wont get that increase many of us hoped would be gotten from sping of our reports that you might expect they have access to.

Re: Interesting Discover datapoint

Anonymous — Sat, 11 Nov 2017 01:12:16 GMT

i feel your pain. my Equifax fico 08 score is lowest out of 3

Re: Interesting Discover datapoint

ChargedUp — Sat, 11 Nov 2017 01:18:59 GMT

Very interesting! I got a $7700 cli on my Discover about 2 months ago based on my TU. This must be very recent.

Re: Interesting Discover datapoint

Anonymous — Sat, 11 Nov 2017 08:04:50 GMT

I thought you were done with Disco?

Re: Interesting Discover datapoint

AverageJoesCredit — Sat, 11 Nov 2017 12:22:40 GMT

Lol, oldman, i am . This is from back in Oct when a few of us here actually got the review message. I believe Medicgrrl, Credit Curiosity, Benzman, and i all got it and i think we all struck out. Of all my smashes, i get maybe 3 letters ever lol. This dp makes me wonder if they had been able to access my Eq would they have hp me. Hmmm

Re: Interesting Discover datapoint

Anonymous — Sat, 11 Nov 2017 15:28:27 GMT

Well that is interesting...maybe that explains the constant declining for CLI on my card. Why you gotta be so difficult Discover?! Can't you love me without my reports??

Re: Interesting Discover datapoint

Anonymous — Sat, 11 Nov 2017 15:39:05 GMT

Why are they even pulling it? I thought Disco did soft pulls for CLI

Re: Interesting Discover datapoint

Anonymous — Sat, 11 Nov 2017 16:04:50 GMT

Discover approved my secured IT Chrome card with a hard inquiry on EQ, not on TU as expected.

I have a denial letter at home for my first attemtped CLI in October, it referenced a TU score from September, not October.

Maybe the state we live in has some effect. Or maybe they soft inquiry more than one profile but only are required to give a reason for AA based on any one bureau they choose.

Re: Interesting Discover datapoint

AverageJoesCredit — Sat, 11 Nov 2017 17:19:06 GMT

@Anonymous wrote:
Why are they even pulling it? I thought Disco did soft pulls for CLI

This

Re: Interesting Discover datapoint

Anonymous — Sat, 11 Nov 2017 17:21:57 GMT

What’s your current credit limit there?

Re: Interesting Discover datapoint

CreditCuriosity — Sat, 11 Nov 2017 18:08:30 GMT

Another DP.. After the 2 day denial I got as you know a few days later about 4 hit it again and got a 400 increase then called in and collected my other 600.. Discover is a odd duck for sure lol.. Card still sucks at 3250 limit now although it might survive the fate that was the IT card as IT card had a 4500 limit with a craptastic APR.. The Miles card has a 11.x APR with still a craptasic CL, but maybe before the year is up I can get it to 5k which will still be my lowest card by far, but I can live with that then PC it to the IT card as the miles is worthless after the first year IMO just another 1.5% er. I had it cut up for 3 months then they finally budged for 1k so had them send me a new card I got a few days ago.. Bought about 100 in groceries today on it and plan on using it for about that much a month for a few months to see if they giving me another whopping 1k in 3 months.. You think they would want people to have useable limits esp around the holidays.. Nope

Re: Interesting Discover datapoint

blondy250 — Sat, 11 Nov 2017 18:32:28 GMT

My reports have been frozen going on 2 years , it has never stopped me from getting a soft CLI with discover or any other card that does SP CLI.

Re: Interesting Discover datapoint

AverageJoesCredit — Sat, 11 Nov 2017 21:41:27 GMT

@Anonymous wrote:
What’s your current credit limit there?

4k, started at 2500. I know its not a bad limit for my spend etc but i guess i kinda expected more with Disco. Right or wrong , many of us want to grow our Discovers or at least feel like it has potential. I just dont feel it anymore.

Re: Interesting Discover datapoint

AverageJoesCredit — Sat, 11 Nov 2017 21:45:14 GMT

@blondy250 wrote:
My reports have been frozen going on 2 years , it has never stopped me from getting a soft CLI with discover or any other card that does SP CLI.

My thoughts exactly. Just found it interesting in order for them to to " review" my account they had to view Eq where obviously they can see my Tu and Ex with zero problems. Im in no mood to go 2 years hoping they throw a bone at me. Im happy ive hit that wall where im going to look for the cards that will be with me long road

Re: Interesting Discover datapoint

Anonymous — Tue, 19 Jun 2018 03:42:15 GMT

Just adding to the misery that is Discover CLI...I requested a CLI earlier this month, received the dreaded 2 day message. Letter dated 10 June arrived and stated my credit report is frozen, unable to verify. The bureau listed is TU. My TU score updated on my account on 11 June. So I'm not understanding how my credit report can't be verified on one day, but the next day the score is pulled?!

Re: Interesting Discover datapoint

AverageJoesCredit — Tue, 19 Jun 2018 11:18:24 GMT

It is for me the most insane denial reason. If they can give a monthly FICO score they can access your report. Thanks for sharing, Discover is the most headscratching card to figure out in the Cc Universe

Re: Interesting Discover datapoint

QuakerOatmeal — Tue, 19 Jun 2018 14:42:05 GMT

It's so weird to me that credit card companies don't provide the credit score info from the credit bureau they pull from.

Like why would Discover provide Transunion info when they pull Equifax? So dumb.

Re: Interesting Discover datapoint

DaveInAZ — Tue, 19 Jun 2018 16:54:16 GMT

I've found that most CLI requests need the CRA unfrozen/ unlocked. I've run into this with Barclays, Disco & BoA - all clis denied for TU being locked, all approved when I unlocked it.

Re: Interesting Discover datapoint

AverageJoesCredit — Tue, 19 Jun 2018 17:03:48 GMT

True Dave , highly recommend unfreezing just in case . But I have received cli from Disco with my TU locked, as well as EQ. Then to say they can't access them to decide on cli is mindboggling nonetheless. Disco be Cray Cray

Re: Interesting Discover datapoint

DaveInAZ — Tue, 19 Jun 2018 22:18:49 GMT

@AverageJoesCredit wrote:
True Dave , highly recommend unfreezing just in case . But I have received cli from Disco with my TU locked, as well as EQ. Then to say they can't access them to decide on cli is mindboggling nonetheless. Disco be Cray Cray

Disco is crazy alright. I hadn't tried for a CLI for a year or so after they declined me the last time I tried. Then this spring I took a $4500 BT, the 0% fee 4% APR option as it was going to be short term. But with the extra security these days I called and specifically told the rep I had already requested the BT online and was just calling to see if they needed any additional info. The next morning I logged in to check things and saw the rep had duplicated things, I had TWO $4500 BTs pending. I immediately called to cancel the second one but was told "too late", they're both in processing. Panic time, $9,000 on a card with a $10,600 CL! I repaid the second $4500 just before the statement cut and repaid the other $4500 before the next statement cut.

Thinking it might be a good time to try for a CLI I unlocked TU and hit the luv button - $4500 CLI, taking me to $15,100 CL on a card that had a $4k SL when opened in 2015. Disco either loves you or hated you, they seem to kinda like me.