Aged Off Discovers Black List

[CreditMagic7]

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@OmarGB9 wrote:

Congrats on the approval!

Looks like there's hope for me yet.

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Your not alone. 

[Credit4Growth]

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@highlow1 wrote:

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

Screen Shot 2022-06-15 at 9.31.20 AM.png

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Assuming you have selected a pre-approval offer and submitted an application, how did it go for you?   Is there an update? 🤔

[7774x]

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@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 .

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Disc memory at least 7 yrs..finally ok-ed new account

[7774x]

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@Anonymous wrote:

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@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 .

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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

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Paid old co..they let me back in after 7 yrs..

[7774x]

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@Jnbmom wrote:

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.

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lol.. I couldn't file Bk... my paid home would have been taken away for BK ..for all but $10,000

[7774x]

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@Anonymous wrote:

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..

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yes

[OmarGB9]

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@7774x wrote:

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@Anonymous wrote:

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@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 .

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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

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Paid old co..they let me back in after 7 yrs..

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7 years from DOFD or 7 years from repaying them?

[7774x]

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@OmarGB9 wrote:

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@7774x wrote:

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@Anonymous wrote:

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@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 .

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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

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Paid old co..they let me back in after 7 yrs..

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7 years from DOFD or 7 years from repaying them?

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Yes 7yrs..DOFD ..Disc was pulling  CR ,monthly..after PIF...on a whim tried preq...shocked to get approved...not much...$2,000..

[OmarGB9]

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@7774x wrote:

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@OmarGB9 wrote:

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@7774x wrote:

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@Anonymous wrote:

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@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 .

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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

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Paid old co..they let me back in after 7 yrs..

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7 years from DOFD or 7 years from repaying them?

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Yes 7yrs..DOFD ..Disc was pulling  CR ,monthly..after PIF...on a whim tried preq...shocked to get approved...not much...$2,000..

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Hmm, then I might be able to get back in with them in about 2.5 years. 

[DigitalNY]

Some are saying that Discover has a real long memory, but I had the complete opposite experience. I had a $3500 charge off (the full credit limit of the card) with Discover which was never paid and I fully expected that the only way I'd ever be able to get another Discover card would be repayment.

Within 30 days of the original debt falling off my reports I got a preapproval online and figured.. what the heck.. lets try it. Completed the application and got an instant approval for $5k with a 675 TU score. Never, ever in a million years would I have expected an approval with a decent credit limit.. especially a limit higher than they had charged off previously!

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