topic Re: Discoverit three messages after applying in Credit Cards

Discoverit three messages after applying

brindle26 — Fri, 22 Nov 2013 12:18:02 GMT

My DW was pre-approved for the Discover it card.
After applying she got three different notices.
1 We’ll let you know reason for denial in 3-5 days
2 We’ll let you know reason for denial in 7-10 days
3 Discover Card received your application on November 19, 2013. Please allow up to 30 days for your application to be processed
Fourteen collection all paid off or got deleted since January
What am I suppose to do now so the 5th HP this year will not be wasted?

Her scores are
Alliant 720 9/27/2013

Barclay's 630 11/12/2013

Credit Inform 709 11/4/2013
Credit Com 700 11/20/2013
Credit Sesame 699 11/05/2013

Re: Discoverit three messages after applying

Kenny — Fri, 22 Nov 2013 13:14:44 GMT

Maybe she can call the backdoor number? I would ask to recon it-- maybe you'll have an answer faster.

Re: Discoverit three messages after applying

brindle26 — Fri, 22 Nov 2013 13:20:49 GMT

Is the back door number posted on MyFICO a good number?

Re: Discoverit three messages after applying

Kenny — Fri, 22 Nov 2013 14:00:12 GMT

Of course.

Re: Discoverit three messages after applying

TiggerDat — Fri, 22 Nov 2013 14:16:53 GMT

Discover is pretty good with recons. I even reconned a CLI with them. I used to have a $1000 limit and reconed it to $5000 when I got denied for the increase when I asked for it.

Re: Discoverit three messages after applying

brindle26 — Fri, 22 Nov 2013 14:32:19 GMT

That's encouraging, thanks all.

Re: Discoverit three messages after applying

brindle26 — Mon, 25 Nov 2013 12:49:18 GMT

DW was denied a recon. Medical collections from 2008 was the reason. Would a letter to the EO's help?

Re: Discoverit three messages after applying

09Lexie — Mon, 25 Nov 2013 19:52:31 GMT

Discover isn't that easy to recon ESP if its a computer denial. You can certainly try writing a letter to have the app reconsidered.
However, I would also suggest continuing to take car of the baddies -PFD or GWs

Re: Discoverit three messages after applying

FinStar — Mon, 25 Nov 2013 20:03:05 GMT

@09Lexie wrote:
Discover isn't that easy to recon ESP if its a computer denial. You can certainly try writing a letter to have the app reconsidered.
However, I would also suggest continuing to take car of the baddies -PFD or GWs

CLIs fall under a different category to have a decision reconsidered. Unless offered a contingent joint-application offer (if declined), then it's a slim chance at best.

Re: Discoverit three messages after applying

brindle26 — Mon, 25 Nov 2013 20:56:32 GMT

Then I'll not bother. Thank you all