topic Discover IT app planning in Credit Cards

Discover IT app planning

Longroad — Mon, 28 Apr 2014 15:42:54 GMT

I am hoping to app for the Discover IT in a couple of weeks after my RU updates. Right now my FICO on TU is 681 per Wally with 35% util and hopefully should be closer to 700 when my other cards update and should only have 5% util.

The issue is when I apped for Discover back in Nov 13 they pulled EQ and I really need them to pull TU. EQ has errors that I have not been able to resolve as of yet, of course there is always the potential to have the issues resolved by then, but I have no faith whatsoever in EQ to fix anything. I have frozen EQ in the mean time. Is it frowned on to freeze a report under these circumstances?

I was just wondering what the odds that Discover would pull TU might be. Any thoughts or experience would be appreciated.

Re: Discover IT app planning

mrsjr — Mon, 28 Apr 2014 15:47:19 GMT

Discover pulled only TU on me, but I have the student version. I don't know if that makes a difference or not.

Re: Discover IT app planning

PlasticOrPlastic — Mon, 28 Apr 2014 15:49:44 GMT

TU for me as well 3 months ago. Couldnt be happier with Discover so good luck with getting the card!

Re: Discover IT app planning

Skye12329 — Mon, 28 Apr 2014 16:05:13 GMT

@mrsjr wrote:
Discover pulled only TU on me, but I have the student version. I don't know if that makes a difference or not.

I asked Discover what the differences are and as for Student version it is that its easier to get, and smaller limits. But it can graduate to their full version card after your done with school.

Re: Discover IT app planning

baller4life — Mon, 28 Apr 2014 16:07:07 GMT

I have seen several have success with asking Discover to pull TU with a frozen EQ. In fact, I plan to do the same because EQ has not fixed errors for me either. If it's not an instant approval, you will have to call in and ask them to pull TU. Good luck and keep us posted.

Re: Discover IT app planning

Anonymous — Mon, 28 Apr 2014 17:25:50 GMT

@Longroad wrote:
I am hoping to app for the Discover IT in a couple of weeks after my RU updates. Right now my FICO on TU is 681 per Wally with 35% util and hopefully should be closer to 700 when my other cards update and should only have 5% util.

The issue is when I apped for Discover back in Nov 13 they pulled EQ and I really need them to pull TU. EQ has errors that I have not been able to resolve as of yet, of course there is always the potential to have the issues resolved by then, but I have no faith whatsoever in EQ to fix anything. I have frozen EQ in the mean time. Is it frowned on to freeze a report under these circumstances?

I was just wondering what the odds that Discover would pull TU might be. Any thoughts or experience would be appreciated.

Yes, freezing reports so that a lender is forced to use a more favorable report is considered unethical at myFICO. You also run into creditors who refuse to pull a specific bureau because it sounds suspicious -like you are hiding something...which you are in this case.

Re: Discover IT app planning

Longroad — Mon, 28 Apr 2014 18:18:47 GMT

@Anonymous wrote:
@Longroad wrote:
I am hoping to app for the Discover IT in a couple of weeks after my RU updates. Right now my FICO on TU is 681 per Wally with 35% util and hopefully should be closer to 700 when my other cards update and should only have 5% util.

The issue is when I apped for Discover back in Nov 13 they pulled EQ and I really need them to pull TU. EQ has errors that I have not been able to resolve as of yet, of course there is always the potential to have the issues resolved by then, but I have no faith whatsoever in EQ to fix anything. I have frozen EQ in the mean time. Is it frowned on to freeze a report under these circumstances?

I was just wondering what the odds that Discover would pull TU might be. Any thoughts or experience would be appreciated.
Yes, freezing reports so that a lender is forced to use a more favorable report is considered unethical at myFICO. You also run into creditors who refuse to pull a specific bureau because it sounds suspicious -like you are hiding something...which you are in this case.

Then what are the alternatives to errors, total inaccuracies, not items that are not favorable, I am talking about TOTAL inacurracies. Like showing an account as 120 days past due in Jan 14 when the account has been paid and closed since June 2010?

Edit: I have disputed with EQ and with BOA, they both say that they are reporting correctly. I believe that BOA is reporting properly because EX and TU have it correct, but EQ can't seem to understand that you can't have an account 120 days past due when it's closed for 4 years. If I say anything else I know it will be inappropriate, so I better just let it go. It just seems like all of the remedies are slanted more towards the CRA than the consumer.

Re: Discover IT app planning

Anonymous — Mon, 28 Apr 2014 18:25:30 GMT

@Longroad wrote:
@Anonymous wrote:
@Longroad wrote:
I am hoping to app for the Discover IT in a couple of weeks after my RU updates. Right now my FICO on TU is 681 per Wally with 35% util and hopefully should be closer to 700 when my other cards update and should only have 5% util.

The issue is when I apped for Discover back in Nov 13 they pulled EQ and I really need them to pull TU. EQ has errors that I have not been able to resolve as of yet, of course there is always the potential to have the issues resolved by then, but I have no faith whatsoever in EQ to fix anything. I have frozen EQ in the mean time. Is it frowned on to freeze a report under these circumstances?

I was just wondering what the odds that Discover would pull TU might be. Any thoughts or experience would be appreciated.
Yes, freezing reports so that a lender is forced to use a more favorable report is considered unethical at myFICO. You also run into creditors who refuse to pull a specific bureau because it sounds suspicious -like you are hiding something...which you are in this case.

Then what are the alternatives to errors, total inaccuracies, not items that are not favorable, I am talking about TOTAL inacurracies. Like showing an account as 120 days past due in Jan 14 when the account has been paid and closed since June 2010?

Edit: I have disputed with EQ and with BOA, they both say that they are reporting correctly. I believe that BOA is reporting properly because EX and TU have it correct, but EQ can't seem to understand that you can't have an account 120 days past due when it's closed for 4 years. If I say anything else I know it will be inappropriate, so I better just let it go. It just seems like all of the remedies are slanted more towards the CRA than the consumer.

Correcting the errors through disputes, GW letters or complaints with CFPB. EQ is difficult to deal with among the three IMO.

If you haven't already done so, post over in Rebuilding for assistance with BOA. There have been success stories and you are already more than halfway there getting it removed from all of your CR's.

Re: Discover IT app planning

Longroad — Mon, 28 Apr 2014 18:35:39 GMT

@Anonymous wrote:
@Longroad wrote:
@Anonymous wrote:
@Longroad wrote:
I am hoping to app for the Discover IT in a couple of weeks after my RU updates. Right now my FICO on TU is 681 per Wally with 35% util and hopefully should be closer to 700 when my other cards update and should only have 5% util.

The issue is when I apped for Discover back in Nov 13 they pulled EQ and I really need them to pull TU. EQ has errors that I have not been able to resolve as of yet, of course there is always the potential to have the issues resolved by then, but I have no faith whatsoever in EQ to fix anything. I have frozen EQ in the mean time. Is it frowned on to freeze a report under these circumstances?

I was just wondering what the odds that Discover would pull TU might be. Any thoughts or experience would be appreciated.
Yes, freezing reports so that a lender is forced to use a more favorable report is considered unethical at myFICO. You also run into creditors who refuse to pull a specific bureau because it sounds suspicious -like you are hiding something...which you are in this case.

Then what are the alternatives to errors, total inaccuracies, not items that are not favorable, I am talking about TOTAL inacurracies. Like showing an account as 120 days past due in Jan 14 when the account has been paid and closed since June 2010?

Edit: I have disputed with EQ and with BOA, they both say that they are reporting correctly. I believe that BOA is reporting properly because EX and TU have it correct, but EQ can't seem to understand that you can't have an account 120 days past due when it's closed for 4 years. If I say anything else I know it will be inappropriate, so I better just let it go. It just seems like all of the remedies are slanted more towards the CRA than the consumer.
Correcting the errors through disputes, GW letters or complaints with CFPB. EQ is difficult to deal with among the three IMO.

If you haven't already done so, post over in Rebuilding for assistance with BOA. There have been success stories and you are already more than halfway there getting it removed from all of your CR's.

I appreciate all of the assistance. I have done all of the above and have NO issues with BOA, they have been great to work with and actually updated all of the reports back in February, which is where the issue started. EQ in their infinite wisdom showed a 120 late in Jan 2014 and needless to say that killed my score. I've tried talking, I've re-disputed and it is just becoming a nightmare. I have even looked into suing them, but it seems like it is more likely to get a favorable judgement against the US Govt than against a CRA.

Edit: Lexie I hope it doesn't seem like I am arguing with you. I sincerely appreciate everyone on this forum. I wouldn't be ANYWHERE close to where I am without the assistance and knowledge from this forum. Just a little frustrated.

Re: Discover IT app planning

Scupra — Mon, 28 Apr 2014 23:24:47 GMT

Just applied for a Discover IT today forgetting that EQ was frozen and I got a message that said my EQ report was frozen and to call in when it is not frozen anymore.

OT: Does anyone happen to know if that is why I havent been getting scorewatch updates? I forgot it was frozen but that would make sense... sorry to hijack!