topic Re: Discover It Approval Question in Credit Cards

Discover It Approval Question

pip3man — Mon, 05 May 2014 22:32:02 GMT

i just applied for the Discover It in hopes they would pull TU but to my greatest surprise they tried to pull EQ which happens to be my highest credit score at 761. But here's the deal, I didn't anticipate they were gonna pull EQ so I never bothered to unfreeze my EQ file. I called the Backdoor number and the analyst asked me to unfreeze it and call back, which I eventually did. Now I called in and another analyst I spoke with told me to wait 3days before they can attempt to re-pull the file!!!! Is this normal or some bunch of BS?? My security freeze reverts tomorrow... What do I do?? Should I try to get someone else?? Thank you

Re: Discover It Approval Question

pip3man — Mon, 05 May 2014 23:40:42 GMT

**BUMP**

Re: Discover It Approval Question

-Wade- — Mon, 05 May 2014 23:45:22 GMT

@pip3man wrote:
**BUMP**

You can call them again and see if you get the same answer. If you do then you will have to make sure your file is not frozen. So that means you will have to unfreeze it again for the next 3-4 days

Re: Discover It Approval Question

baller4life — Mon, 05 May 2014 23:48:21 GMT

I have never heard of Discover being unwilling to pull TU if EQ is frozen. I always thought only Amex and Chase were adamant about pulling a certain bureau. Good to know.

Re: Discover It Approval Question

-Wade- — Mon, 05 May 2014 23:53:13 GMT

@baller4life wrote:
I have never heard of Discover being unwilling to pull TU if EQ is frozen. I always thought only Amex and Chase were adamant about pulling a certain bureau. Good to know.

They pulled EQ on me when i applied. I think the reason they pull EQ is because once you get they card they SP TU all the time. My 2 cents

Re: Discover It Approval Question

Anonymous — Tue, 06 May 2014 00:33:14 GMT

I would unfreeze it for a few days to let them go through the process unless you can get a response sooner.

Re: Discover It Approval Question

pip3man — Tue, 06 May 2014 00:35:16 GMT

@baller4life wrote:
I have never heard of Discover being unwilling to pull TU if EQ is frozen. I always thought only Amex and Chase were adamant about pulling a certain bureau. Good to know.

Lol seems like you didn't get it. I had applied for a Discover last month and they pulled TU which was declined. So I went ahead to reapply this evening thinking they would pull TU again which was not frozen. Equifax was on ice so the analyst told me they tried to pull EQ but couldn't. She never asked about TU or EX, just told me to unfreeze the EQ and call back which really works in my favor anyways... Chase always pull EX for me and as for AMEX I can't remember what they pull cos it's been a while I applied for their product.

Re: Discover It Approval Question

efranklin23 — Tue, 06 May 2014 00:59:51 GMT

@pip3man wrote:
@baller4life wrote:
I have never heard of Discover being unwilling to pull TU if EQ is frozen. I always thought only Amex and Chase were adamant about pulling a certain bureau. Good to know.
Lol seems like you didn't get it. I had applied for a Discover last month and they pulled TU which was declined. So I went ahead to reapply this evening thinking they would pull TU again which was not frozen. Equifax was on ice so the analyst told me they tried to pull EQ but couldn't. She never asked about TU or EX, just told me to unfreeze the EQ and call back which really works in my favor anyways... Chase always pull EX for me and as for AMEX I can't remember what they pull cos it's been a while I applied for their product.

I always tell people that when they apply for credit to keep their CRs unfrozen for the time being (varies on what you're applying for) It's quite normal for an Creditor to take more than a week to pull your CR. And to note, Before I was approved for Discover, They pulled both my TU and EQ CR at the same time. You can't assume what CR creditors would pull as occasinally they would change up on you for many reasons (being a risky consumer for once, frozen accounts, lots of new account activity and etc.)

Re: Discover It Approval Question

pip3man — Tue, 06 May 2014 01:14:57 GMT

Woohoo I was approved!!!!!!!!

Re: Discover It Approval Question

-Wade- — Tue, 06 May 2014 01:16:58 GMT

@pip3man wrote:
Woohoo I was approved!!!!!!!!

Congrats

Re: Discover It Approval Question

baller4life — Tue, 06 May 2014 01:20:00 GMT

@pip3man wrote:
@baller4life wrote:
I have never heard of Discover being unwilling to pull TU if EQ is frozen. I always thought only Amex and Chase were adamant about pulling a certain bureau. Good to know.
Lol seems like you didn't get it. I had applied for a Discover last month and they pulled TU which was declined. So I went ahead to reapply this evening thinking they would pull TU again which was not frozen. Equifax was on ice so the analyst told me they tried to pull EQ but couldn't. She never asked about TU or EX, just told me to unfreeze the EQ and call back which really works in my favor anyways... Chase always pull EX for me and as for AMEX I can't remember what they pull cos it's been a while I applied for their product.

Oh I understand quite clearly. And I reiterate that I have never known Discover to be adamant that you unfreeze EQ in order to process app. I have heard that about Amex and Chase and even Citi. But, this is the first I have seen Discover do that. Many many have reported that they applied with EQ frozen and called in and asked that they pull TU and there was no problem. Hope it all works out for you and they pull it before it goes back on ice.

Re: Discover It Approval Question

baller4life — Tue, 06 May 2014 01:21:43 GMT

@pip3man wrote:
Woohoo I was approved!!!!!!!!

Congrats!!!

Re: Discover It Approval Question

pip3man — Wed, 07 May 2014 07:40:21 GMT

@baller4life wrote:
@pip3man wrote:
@baller4life wrote:
I have never heard of Discover being unwilling to pull TU if EQ is frozen. I always thought only Amex and Chase were adamant about pulling a certain bureau. Good to know.
Lol seems like you didn't get it. I had applied for a Discover last month and they pulled TU which was declined. So I went ahead to reapply this evening thinking they would pull TU again which was not frozen. Equifax was on ice so the analyst told me they tried to pull EQ but couldn't. She never asked about TU or EX, just told me to unfreeze the EQ and call back which really works in my favor anyways... Chase always pull EX for me and as for AMEX I can't remember what they pull cos it's been a while I applied for their product.
Oh I understand quite clearly. And I reiterate that I have never known Discover to be adamant that you unfreeze EQ in order to process app. I have heard that about Amex and Chase and even Citi. But, this is the first I have seen Discover do that. Many many have reported that they applied with EQ frozen and called in and asked that they pull TU and there was no problem. Hope it all works out for you and they pull it before it goes back on ice.

Actually I'm glad they didn't pull TU cos I was beginning to accumulate inquiries (5 at the moment) so I needed to even out the dings across the board. Luckily EQ had only one INQ so I was really stoked when they opted for it. They never knew they were doing me a huge favor lol but it all went down good in the end tho. Thanks

Re: Discover It Approval Question

peaceonearth — Thu, 08 May 2014 03:10:21 GMT

@pip3man wrote:
Woohoo I was approved!!!!!!!!

Felicitations.

In the mean time, I think we need to support Discover for their US based customer service.

Re: Discover It Approval Question

takeshi74 — Thu, 08 May 2014 13:14:31 GMT

(nm)

Re: Discover It Approval Question

Anonymous — Fri, 06 Jun 2014 04:02:58 GMT

Congrats

Re: Discover It Approval Question

bk510 — Fri, 06 Jun 2014 08:46:40 GMT

@-Wade- wrote:
@baller4life wrote:
I have never heard of Discover being unwilling to pull TU if EQ is frozen. I always thought only Amex and Chase were adamant about pulling a certain bureau. Good to know.
They pulled EQ on me when i applied. I think the reason they pull EQ is because once you get they card they SP TU all the time. My 2 cents

This seems to be the pattern for lot of the banks......wonder why though,

Re: Discover It Approval Question

alinoapa — Fri, 06 Jun 2014 21:46:32 GMT

@pip3man wrote:
Woohoo I was approved!!!!!!!!

Awesome news....congrats

Re: Discover It Approval Question

Anonymous — Fri, 06 Jun 2014 22:28:27 GMT

i got denied ....

On the bright side...guess what came in the mail today? CapOne Quicksilver pre-approval!!!

Re: Discover It Approval Question

vygotsky — Sat, 07 Jun 2014 00:08:33 GMT

@pip3man wrote:
**BUMP**

Personally I would call another reco rep and see if they can do any better or help you faster.