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Aged Off Discovers Black List

highlow1
Valued Member

Aged Off Discovers Black List

Hi All,

 

Just wanted to share that I was on Discovers Black List for about 7 years. In March of 2015 I opened a secured Discover IT card for $200.00. Unfortuantely, back then I was a bit irressponsible and made a payment when I knew it wouldn't clear so I could utilize the credit limit. (whenever you'd make a payment they'd free up the limit the next day). OBVIOUSLY DONT DO THIS. 

 

Long story short, the account charged-off at the end of 2015, and I didn't pay the card off IN FULL until February of 2017.

 

From February 2017 until Present Day 2022 I have tried applying for a Discover Card by utilziing the "prequalification tool" and it would always return back with 

"Due to the status of a prior/exisisting discover card" we cannot approve you at this time.

 

WELL, on January 21st 2022, I went to their site and did the "prequalification" and it returned back with a new denial "Recent Deliquency Shown on Credit File" - which is true I have a recent 30 day on my auto loan with Capital One due to job loss b/c of the pandemic. My last prequalification with the old "Due to the status of a prior/exisisting discover card" was last month in December of 2021. 

 

Also, another awesome thing to note, that old Discover record was deleted off all three credit-bureaus this month (January 2022).

 

But luckily I have a new job now and can get eveyrthing squared away. I am going to wait until June this year (2022) to run my credit through their prequalification tool and see what I get! 

 

There is hope! I cannot wait to restart my journey with them! Stay Tuned!

Scores as of 02/08/2022




Message 1 of 17
16 REPLIES 16
mark3038
Established Contributor

Re: Aged Off Discovers Black List

I am glad that it aged off your reports. However, Discover has a very long memory. They go by internal records. If they take you on with even a secured card it would be very rare. Just dont count on it. It just may be wise to go with another bank that would accept you that you never had a prior relationship with.

Thanks

Mark

Please note; My postings are my opinion only. You can accept them or reject them. Thanks, Mark
Message 2 of 17
Jnbmom
Community Leader
Super Contributor

Re: Aged Off Discovers Black List

Discover doesn't have a long memory lol . There are several members who have gotten discover after including them in BK 2-3 years out .

 

 

EXP 778 TU790 EQ 752
Message 3 of 17
mark3038
Established Contributor

Re: Aged Off Discovers Black List


@Jnbmom wrote:

Discover doesn't have a long memory lol . There are several members who have gotten discover after including them in BK 2-3 years out .

 

 


The OP did not say he did a BK which would be a discharge of the debt. The OP stated that he paid the old account. A BK may allow people back in but I have yet to see a paid CO that allowed someone back into Discover. I wonder who's memory is in question.

Thanks

Mark

Please note; My postings are my opinion only. You can accept them or reject them. Thanks, Mark
Message 4 of 17
Lou-natic
New Contributor

Re: Aged Off Discovers Black List

If the OP had screwed up with Chase or AMEX I might be inclined to agree with you but not Discover.

Current Cards


Goal Card

2022 goals: Garden

1/8/22
Message 5 of 17
CreditInspired
Community Leader
Super Contributor

Re: Aged Off Discovers Black List


@mark3038 wrote:

@Jnbmom wrote:

Discover doesn't have a long memory lol . There are several members who have gotten discover after including them in BK 2-3 years out .

 

 


The OP did not say he did a BK which would be a discharge of the debt. The OP stated that he paid the old account. A BK may allow people back in but I have yet to see a paid CO that allowed someone back into Discover. I wonder who's memory is in question.

Thanks

Mark


Play nice please


|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 6 of 17
Jnbmom
Community Leader
Super Contributor

Re: Aged Off Discovers Black List

I am well aware what a discharged debt is. While YMMV there are members who have gotten discover after having a charge off , rare yes but it happens . And paying off the charge off increases their chances .

 

Thank goodness my memory is in tact , but thanks for the concern .

EXP 778 TU790 EQ 752
Message 7 of 17
ahleahsis
Member

Re: Aged Off Discovers Black List

I remember seeing a post on here about someone getting back with Disco after a CO after about 10 years. I have a paid CO with them too from 2017. Hoping to get back with them at least with a secured card when it falls off my report in 2024.

Message 8 of 17
RASULL12
Contributor

Re: Aged Off Discovers Black List

I had a charge off from discover that first went delinquent in 2013. It was for less then $1,000. I never paid it but I was just able to get back in with discover in November with a $3,000 credit limit. This is my lowest credit limit but we'll see how it grows over time if it does. For right now I'm happy with the 10% cash back for the categories through the first year.

Message 9 of 17
Anonymous514
Established Contributor

Re: Aged Off Discovers Black List

It's crazy to me that a bk is welcomed back with open arms more than a CO lol. I IIB them on my bankruptcy 



Message 10 of 17
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