topic Re: Discover Pre-screen Fail -- They can't find me in Credit Cards

Discover Pre-screen Fail -- They can't find me

gamegrrl — Sun, 13 Oct 2013 16:59:09 GMT

I've been hoping to get a Discover It card, but when I visit their soft-pull pre-screen page, I always get the "we can't find you" message.

I have lived at this address for 11 years. I have no "freeze" on my credit. The only thing I could think of was that I *might* have opted-out for pre-screened offers, so I went to that website and opted back in across the board.

Am I missing anything?

Re: Discover Pre-screen Fail -- They can't find me

maiden_girl — Sun, 13 Oct 2013 17:07:43 GMT

If you were opted out and you opt back in...it takes a while for this to take affect. When I opted out initially, I got prescreen offers for 3 months after the request before I stopped getting them. YMMV. Just because you aren't pre-approved, doesn't mean you don't quality for the card. Being preapproved does not guarantee offers either. Subject to credit approval

Re: Discover Pre-screen Fail -- They can't find me

Countingpennies — Sun, 13 Oct 2013 17:09:56 GMT

I get the same thing. I think the key passage is "we can't find you in OUR records." I've never been opted out, had CRs frozen, etc. I get Comenity popups all the time. I just figured I'm not in their records for preapproval since I don't meet their criteria.

Re: Discover Pre-screen Fail -- They can't find me

gamegrrl — Sun, 13 Oct 2013 17:33:28 GMT

Thanks for the replies. Maybe I should give the Duck card a shot. I really like the IT card's tie-in that lets you spend your cashback at Amazon.com though.

The Duck card would probably be better anyway, as it's my understanding it always pulls Equifax, which is my best score.

I'm looking for my first cashback card that I can use for most of my monthly expenses then pay off in one fell swoop at EOM.

Re: Discover Pre-screen Fail -- They can't find me

maiden_girl — Sun, 13 Oct 2013 17:37:48 GMT

What's your credit profile like? Open accounts? AAoAs? Do you have a Chase Freedom card? Based on your scores only, I think you would qualify. Given you don't have any baddies and you have at least one year of history on file In my opinion, Freedom is the best cash back card to date.

Re: Discover Pre-screen Fail -- They can't find me

mongstradamus — Sun, 13 Oct 2013 17:39:43 GMT

@maiden_girl wrote:
What's your credit profile like? Open accounts? AAoAs? Do you have a Chase Freedom card? Based on your scores only, I think you would qualify. Given you don't have any baddies and you have at least one year of history on file In my opinion, Freedom is the best cash back card to date.

I actually have started to like my discover it an lot because of shop discover if you shop online an lot you can get dome pretty good deals

Re: Discover Pre-screen Fail -- They can't find me

gamegrrl — Sun, 13 Oct 2013 17:48:06 GMT

Equifax

AAOC = 7 years

Inquiries = 0

Lates = One 30 day late, 6 years 9 months ago

Utilization = 1% (sometimes less, never more)

Revolving accounts = 11

Installment accounts = 8

I have a baddie that shows up on TU and EX, but it should go away in six months or so. That's why I'm determined to stick with entities that just check Equifax at the moment.

Re: Discover Pre-screen Fail -- They can't find me

gamegrrl — Sun, 13 Oct 2013 17:56:10 GMT

I should mention a few things:

I hope to get a 0% interest car loan in the next year
I have no "large CL" cards -- My highest CL is a $2K CapitalOne card
I've gone about three years with no apps, so I am choosing VERY carefully

Re: Discover Pre-screen Fail -- They can't find me

maiden_girl — Sun, 13 Oct 2013 17:57:02 GMT

@gamegrrl wrote:
Equifax
AAOC = 7 years
Inquiries = 0
Lates = One 30 day late, 6 years 9 months ago
Utilization = 1% (sometimes less, never more)
Revolving accounts = 11
Installment accounts = 8

I have a baddie that shows up on TU and EX, but it should go away in six months or so. That's why I'm determined to stick with entities that just check Equifax at the moment.

Chase primarily checks Experian.

Re: Discover Pre-screen Fail -- They can't find me

Transmogrifying_Bee — Sun, 13 Oct 2013 18:00:26 GMT

I already have a Discover credit card and yet, when I placed my name/address into the same Discover "pre-approval" search, it told me that Discover could NOT find me in their system, hence no recommendations! Go figure . . .

Re: Discover Pre-screen Fail -- They can't find me

parakleet — Sun, 13 Oct 2013 18:07:42 GMT

Which CB a creditor "primarily" checks really depends on the region. I'm in Texas and Chase checked primarily EQ for me and DH. When I apped for 3 card with Chase, they checked EQ and EX.

Re: Discover Pre-screen Fail -- They can't find me

navigatethis12 — Sun, 13 Oct 2013 19:13:04 GMT

Just because they don't have any offers doesn't mean that you will not get approved. I never have any offers for any of the companies and still always get approved. You're looking too much into this and that tool something to use to see if you will get approved or declined.

Re: Discover Pre-screen Fail -- They can't find me

gamegrrl — Sun, 13 Oct 2013 21:30:09 GMT

I was concerned that they said they couldn't FIND me, not that I didn't get any offers.

Re: Discover Pre-screen Fail -- They can't find me

parakleet — Sun, 13 Oct 2013 21:32:17 GMT

I don't think there's a discernible difference between the "not found" vs "no offers." The idea being - no offers bc you're not found. In any case, I wouldn't worry too much over it.

Re: Discover Pre-screen Fail -- They can't find me

mongstradamus — Sun, 13 Oct 2013 21:59:06 GMT

@parakleet wrote:
I don't think there's a discernible difference between the "not found" vs "no offers." The idea being - no offers bc you're not found. In any case, I wouldn't worry too much over it.

I think it basically means same thing. I got not found with cap one, even though i have an secured card with them :-(