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Disco app status: “There was an error retrieving your application. Please try again.”

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Regular Contributor

Disco app status: “There was an error retrieving your application. Please try again.”

A couple of weeks ago I decided to start aggressively rebuilding my credit. I got an unsecured Cap1 Platinum MC with a $500. Then Experian’s credit card matcher said I had great odds on an Amex Blue. Really?? So I applied and got an $8k CL (though the rate sucks.) And then I decided to take Disco up on the countless offers they send me. They said hold your horses, we need to think about this and we’ll let you know in a week.

So I was trying to get an update from their online tool to check you app status and got “There was an error retrieving your application. Please try again.” Trying again gets the same message, over and over.

What does this unhelpful message even mean. I suspect this means I’ve been declined, but it would be nice to know for sure.

It would be so hilarious if I got approved by Amex, and rejected by Disco...
FICO8 - Aug 2020
FICO9 - Aug 2019
Message 1 of 8
7 REPLIES 7
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Regular Contributor

Re: Disco app status: “There was an error retrieving your application. Please try again.”

I think I got an answer. I went back and ran their soft pull tool to check for offers. And I got:

TOO MANY RECENT INQUIRIES

Mystery solved. About 6 months ago I tried to refinance my car through my credit union and they ran like 8 hard pulls. Combine that with the Amex and Cap1 HPs, and I’m over the line.

I still think it’s hilarious that I got an Amex, and a big ol’ middle finger from Disco. Lol.
FICO8 - Aug 2020
FICO9 - Aug 2019
Message 2 of 8
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New Contributor

Re: Disco app status: “There was an error retrieving your application. Please try again.”

Disco can be quite weird sometimes. I'm surprised they approved me with all the inquiries I have, it took months of persistence until I finally got pre-approved and then approved though.
TU Fico8 score December 2018 - 585
TU Fico8 score April 2020 - 709

Cards in order of opening, starting from December 2018
Indigo - $300 (closed before AF! Helped with rebuild)
Fingerhut - $900
Cap1 QS1 - $500 (want to close it so badly!)
Lord & Taylor - $750
CareCredit - $12,000
Tractor Supply - $2,000
Discover - $2,300
Amazon Store Card - $4,000
BBVA Clearpoints - $4,700
Home Depot - $4,000
Ashley Advantage - $3,500
Message 3 of 8
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Regular Contributor

Re: Disco app status: “There was an error retrieving your application. Please try again.”

Got my official rejection today:

 

TOO MANY RECENT INQUIRIES

UTILIZATION TOO HIGH (14% is too high?? WTH?)

NO MORTGAGE ON CREDIT REPORT

 

Super weird. I think I'm supposed to build my credit with three cards. I've got the AMEX and Cap1 One, along with a secured card from my local CU. Do I need another "real" CC, or is the secured one good enough?

FICO8 - Aug 2020
FICO9 - Aug 2019
Message 4 of 8
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Community Leader
Super Contributor

Re: Disco app status: “There was an error retrieving your application. Please try again.”


@8bitmachinegun wrote:

Got my official rejection today:

 

TOO MANY RECENT INQUIRIES

UTILIZATION TOO HIGH (14% is too high?? WTH?)

NO MORTGAGE ON CREDIT REPORT

 

Super weird. I think I'm supposed to build my credit with three cards. I've got the AMEX and Cap1 One, along with a secured card from my local CU. Do I need another "real" CC, or is the secured one good enough?


The secured one is good enough. 


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 5 of 8
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Mega Contributor

Re: Disco app status: “There was an error retrieving your application. Please try again.”


@8bitmachinegun wrote:

Got my official rejection today:

 

TOO MANY RECENT INQUIRIES

UTILIZATION TOO HIGH (14% is too high?? WTH?)

NO MORTGAGE ON CREDIT REPORT

 

Super weird. I think I'm supposed to build my credit with three cards. I've got the AMEX and Cap1 One, along with a secured card from my local CU. Do I need another "real" CC, or is the secured one good enough?


Sorry OP, The first listed reason "TOO MANY RECENT INQUIRIES" is why you were denied.

 

 

 

 

Message 6 of 8
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Regular Contributor

Re: Disco app status: “There was an error retrieving your application. Please try again.”

So I took a look at my Experian credit report, and I have 3 recent inquiries as of the date that Disco pulled my credit. However..in Nov 2018 I tried to get an auto refinance through my local CU, and they ran 20 (that's right, 20) hard pulls with various finance companies. I've heard that lenders are supposed to "group" inquiries when you're loan shopping, but it looks like Disco is not doing that. Well, unless three pulls is considered excessive.

 

Is there any way I can smack my CU upside the head? More seriously, is there any way to consolidate or appeal all those hard pulls? 

FICO8 - Aug 2020
FICO9 - Aug 2019
Message 7 of 8
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Frequent Contributor

Re: Disco app status: “There was an error retrieving your application. Please try again.”


@8bitmachinegun wrote:

So I took a look at my Experian credit report, and I have 3 recent inquiries as of the date that Disco pulled my credit. However..in Nov 2018 I tried to get an auto refinance through my local CU, and they ran 20 (that's right, 20) hard pulls with various finance companies. I've heard that lenders are supposed to "group" inquiries when you're loan shopping, but it looks like Disco is not doing that. Well, unless three pulls is considered excessive.

 

Is there any way I can smack my CU upside the head? More seriously, is there any way to consolidate or appeal all those hard pulls? 


The only way that I know of disputing a Hard pull is by sending a snail mail letter to Experian or heading to your CU and dispute it with them in person with copies of your credit report.

MSGCU Titanium Visa | $5k | 1/4/2019 | 9.75% APRDiscover Student Cash It | $3,550 | 1/4/2019 | 12.99% APRAmex 1.5% CB | $3.9k | 7/3/2019 | 20.99% APRBest Buy Store Card | $3kChase Student Card | $1k | 4/10/2020 | 14.99% APR

Future Potenital Cards
AOD 3%
Gas Card 4% or 5%
Dining & Enterainment 3%
Amazon 5%
USB Cash 5% (Cable and Phone)
BOA Cash Rewards (if it ever goes back to Mastercard)
Message 8 of 8
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