topic Re: Applied for discover it in Credit Cards

Applied for discover it

scorpiostinger07 — Sun, 14 Apr 2013 10:23:54 GMT

Got the 5 to 7 day message or call to expedite your application. I have EQ and EX frozen was hoping they would pull TU. I checked and I don't see any inquiries as of yet. They are probably going to ask for me to unfreeze my reports. I will update after I call later this morning.

Re: Applied for discover it

Anonymous — Sun, 14 Apr 2013 10:30:32 GMT

I thought freezing your reports just meant companies couldn't do soft pulls on your credit to offer preapproval. I'm pretty sure if u initiated it they will have access

Re: Applied for discover it

scorpiostinger07 — Sun, 14 Apr 2013 10:36:26 GMT

Freezing prevents a hard pull...Opting out prevents soft pulls for pre approvals.

Re: Applied for discover it

Anonymous — Sun, 14 Apr 2013 11:10:39 GMT

@scorpiostinger07 wrote:
Got the 5 to 7 day message or call to expedite your application. I have EQ and EX frozen was hoping they would pull TU. I checked and I don't see any inquiries as of yet. They are probably going to ask for me to unfreeze my reports. I will update after I call later this morning.

most monitoring services have 1 day lagtime.

is there something on your EX and EQ report that you want to hide?

Most of the companies will ask you to unfreeze everything or deny you once they find out you freeze 1-2 bureaus, leaving the rest unfrozen. This is usually considered as shady behavior.

Freezing and hoping they will pull another bureau works if you're lucky, but if you're not so lucky, they usually will need u to unfreeze all 3 and pull whatever they need to get you approved. There's a chance of them triple pulling as well as a result.

Re: Applied for discover it

scorpiostinger07 — Sun, 14 Apr 2013 11:21:54 GMT

TU is my strongest Report.. Im at the 7 year mark for all my negative marks to fall off and TU has been the most proactive in updating my report.

Re: Applied for discover it

Anonymous — Sun, 14 Apr 2013 11:23:50 GMT

what kind of baddies do you have that fell off?

If it's something minor, most of them don't really care. I have a 30-day late that's falling off July 2013. When I applied last month, none of the lenders (Amex, Chase, US Bank, Discover) cared about that 30-day late anymore. They were more concerned with other stuff, like my new auto loan account.

Re: Applied for discover it

Paperboy999 — Sun, 14 Apr 2013 11:44:43 GMT

Good move applying for the card. I love mine. I think they pull TU, they did for me, so you shouldn't have a problem.

Re: Applied for discover it

LS2982 — Sun, 14 Apr 2013 13:55:36 GMT

Have you called in to find out whats going on OP???

Re: Applied for discover it

Rackham94 — Sun, 14 Apr 2013 13:58:14 GMT

You didn't want to use my referral?

Re: Applied for discover it

scorpiostinger07 — Sun, 14 Apr 2013 16:52:12 GMT

UPDATE:

Called in an was told that my EQ was frozen and that they needed a pin. Explained that I was at work and didnt have the pin with me so she pulled TU and I was declined. I really wasn't expecting to get approved even with my 699 fico I still have a few 6.5 year old charge off's. So to the garden I go with my tail between my legs lol.

Re: Applied for discover it

LS2982 — Sun, 14 Apr 2013 16:57:05 GMT

@Scorpio sorry to hear....

If your willing to take an EQ HP you may be able to recon and have them pull EQ.

Re: Applied for discover it

scorpiostinger07 — Sun, 14 Apr 2013 17:14:38 GMT

Thanks LS...My equifax fico is 120 points lower then my TU fico...I think I need to garden and be thankfull for what I have accomplished so far this year see below. Discover is a def must for me and it's my I've made it card.

This year I was approved for the follwing...I think I've done well.

Apple Visa $1700

Wally World $600

Amazon $400

Sams Club $800

Firestone $1000

Got rid of my Santander 25.99% loan and got Ally at 8.9%

Re: Applied for discover it

LS2982 — Sun, 14 Apr 2013 17:18:56 GMT

Im redsing on my phone I thought your EQ was better than your TU. Youve got a nice lil set of cards now Id garden for a year and hopefully discover will come around to you!