Aged Off Discovers Black List

[Jnbmom]

I believe you look more responsible if you file BK , where a collection appears less responsible especially unpaid.

As I originally mentioned Disco will forgive after BK and a little longer if it's a paid collection as others have chimed in with me from experience. 

They are not elephants like chase, Amex  and Barclays.

[Anonymous]

if somehow discover doesnt extend a credit to you then dont worry..there are many cards out there from other lenders which are way better than discover...besides, discover is not the same as it used to be 2 yrs ago or prior to that..

[CardGameStrong]

---

@Anonymous 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

---

I had an unpaid CO with Discover, a little less than $500, it aged off from my reports, and I was able to get the secured card, it graduated after 12 months with a $2500 CL, so it is possible.

[jcooks]

I have a charge off with Discover about 10 years ago, and I get preapprovals for 2 unsecured cards.  I never applied, I tend to check preapprovals just to see if I can.  Same time I did burn Chase as well, and I got back in with them last year with a CFF and a CSP.

[Remedios]

@highlow1  I hate to be the one to tell you this, but the message you're seeing may not mean you're off the internal BL but instead that new delinquency moved as number 1 reason why you don't have the pre-approval.

[JLRDC909]

Congratulations on your Disco love post charge off. 

I IIB Discover many years ago. 7 years post BK I tried my luck at a preapporval and low and behold I was approved for $14.000. Between years 7-10 I tried once for a CLI and was denied with "previous derogatory account". So when my BK was off all the credit reports I tried again and was given a $2,000 CLI. The language about previous derog was no longer used. 

[JLRDC909]

I have heard also that it looks better that you have a BK and a fresh start rather than a CO. A CO is not wiping the debt out and has the impression you are running away from your still valid debts. 

[highlow1]

FINALLY!!!! I got the pre-approval!!!!! Good things come in time lol! Applying today and doing a $500 secured deposit!

[collics]

Congrats @highlow1 ! Happy this worked out for you! 

[OmarGB9]

Congrats on the approval!

Looks like there's hope for me yet.