Discover Card Denial!

[Newbie2018]

I had been trying the pre qualification page but always received an error for the past week. So I went on a limb and applied for the student discover card. Instant denial. It says my EQ score is a 493. I don't see where they got that score from. My CCT FICO says different, so does my Experian credit works. Anyways... It says reason for denial. Charge off... Then further down it says delinquent accounts etc blah blah. I payed my charge off in full and it's updated but unfortunately that doesn't matter. The credit score that showed I guess was from the pre-qualification app I did about a month ago. Showed the same exact 493. I guess I should have waited. I just figured since my scores had went up a little I'd have a better chance. Nope... I thought wrong. And it didn't show up as a hard pull today when I applied.

[CreditCuriosity]

Not sure if your scores are higher than 500s currently, but Discover even through their prequal site usually uses EQ.  If you are in the 500's that will not cut Discovers UW standards.  I would say you are lucky that you didn't get a HP that give you time to GW your collections and other bad things on your report.  Although you might of paid your CA/CO's that doesn't really mean that will have a direct impact on your score and those accounts are still very much negative and will be so for 7 years from their first delinquency typically although the sting should be less over time.  I would suggest visiting the rebuilding section and doing some reading up about well rebuilding and goodwill letters among other things.   Best of luck.  Once your scores get in the 640-660 range try the discover pre-qual again and if something shows up consider applying for the card at this time.  Best of luck on your rebuild