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Denied Discover IT

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Regular Contributor

Denied Discover IT

I applied for Amex Delta Gold Sky Miles and Discover IT the same day a couple of days ago. I was approved for the Amex with $1000 limit, they pulled my Experian report which is a 626. I tried the pre qualify on the the discover website and it showed Discover it so applied and was denied. I instantly got a notification for hard pull on Experian. I called Discover up and asked why I was denied and she explained they pulled my Experian and Equifax and decided to use the Equifax report (which is also a 626) because they like them more. My Equifax has a charge off and shows a low available credit ratio and she said that’s why I was denied. It’s wierd because I see no hard pull at all on my Equifax report and also would think Amex is harder to be approved for.
Amex Premier Rewards Gold, Amex Delta Gold- $1000, Amex SPG- $1000, Amex Blue Cash Everyday- $1000, Discover IT- $1000, JetBlue World MasterCard- $1500, Costco Citi- $3000, Capital One QS- $750, Capital One QS 1- $600, Capital One GM- $500, Care Credit-$6000, Merrick Bank- $1000, Paypal Credit- $500, Amazon Prime Store Card- $6000,
PayPal Extras Mastercard- $700,

2/08/18 Fico 8 EQ 676 TU 693 EX 662
INQ EQ 6 TU 10 EX 11 Utilization EQ 29% TU 29% EX 29% Gardening For All of 2018 (I Lied)
Message 1 of 5
4 REPLIES
Community Leader
Super Contributor

Re: Denied Discover IT

Getting an Amex at 626 is hard enough, getting a Discover as well might have been pushing the limits of the credit godsSmiley Wink. Discover has approved low scores before but very much at their discretion. Discover is and to me anyway a magic eight ball shake away from determining when one gets approvedSmiley Wink
Message 2 of 5
Regular Contributor

Re: Denied Discover IT

Lol I agree as I was shocked I was approved for the Amex. I’m going to treat that card very well and continue to improve my score. Goal is to get a Discover next.
Amex Premier Rewards Gold, Amex Delta Gold- $1000, Amex SPG- $1000, Amex Blue Cash Everyday- $1000, Discover IT- $1000, JetBlue World MasterCard- $1500, Costco Citi- $3000, Capital One QS- $750, Capital One QS 1- $600, Capital One GM- $500, Care Credit-$6000, Merrick Bank- $1000, Paypal Credit- $500, Amazon Prime Store Card- $6000,
PayPal Extras Mastercard- $700,

2/08/18 Fico 8 EQ 676 TU 693 EX 662
INQ EQ 6 TU 10 EX 11 Utilization EQ 29% TU 29% EX 29% Gardening For All of 2018 (I Lied)
Message 3 of 5
Valued Contributor

Re: Denied Discover IT

Its not uncommon for a bank to HP one CRA and also SP another at the same time.  Comenity Bank does it all the time



3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>6/2018 CCT EX 799 TU 809 EQ 801
You are only young once, but you can be immature forever
Message 4 of 5
Valued Contributor

Re: Denied Discover IT


AverageJoesCredit wrote:
Getting an Amex at 626 is hard enough, getting a Discover as well might have been pushing the limits of the credit godsSmiley Wink. Discover has approved low scores before but very much at their discretion. Discover is and to me anyway a magic eight ball shake away from determining when one gets approvedSmiley Wink

No kidding. I'm still amazed I got a $2500 Discover IT in March with my TU in the 620's (it's close to 660 nowadays).

Ch 7 BK discharged 12/14, well along in rebuilding credit. FICO 6/26/18:TU 665/EX 697/EQ 685 FICO 8 or 682 FICO 9 (Penfed 5/18), VS 3.0 7/13/18: TU 707/EX 703/EQ 701. $81,100 revolving credit as of 7/11/18; $4800 Discover It, $5000 Walmart Store Card, $5500 Discover It #2 (new 3/12/18), $6000 Paypal 2% CB MC, $6000 Amazon Prime Store Card, $7000 Apple FCU Platinum Visa, $7000 Penfed Power Cash Rewards Visa, $8800 Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening (except CLI's) from 7/3/18 to at least 1/3/18. 22 HP inqs total as of 7/3/18: 9 TU, 9 EQ, 4 EX (about half over 1 year old).
Message 5 of 5