I'm sorry 
Discover always pulls EQ where I am from and right now I'm not happy with EQ and don't think I ever will be so I don't think I will have a adiscover anytime soon. I wish I could get their computer to pull a different report then maybe i would try down the road but Im to scared to try.
Discover always pulls EQ where I am from and right now I'm not happy with EQ and don't think I ever will be so I don't think I will have a adiscover anytime soon. I wish I could get their computer to pull a different report then maybe i would try down the road but Im to scared to try.
@1GaDawg85 wrote:I'm staying away from discover as well.....they don't wanna throw you a bone for anything unless you're squeaky clean
I got in with them last month... $1500 CL. I'm fine with it... no plans to ask for a CLI or anything for a year. By this time next year my reports will be clear of the BR and associated IIB accounts and I should be golden.
@indiolatino61 wrote:
@Creditaddict wrote:So I have now applied 5 times I think and I have played the Discover computer came and managed them to hit 1 of the each credit reports at least once and this time I finally got them to TU and it was still denied but with different reasons from last month with EX pull.
Because of "fair lending" discover doesn't recon computer declines, they will work with you more once you have an account open but until then and the computer does not seem to care that I have a joint discover currently so I just said I would not be wasting INQ's anymore on them.
For some reason I actually feel resolve about it.
Who needs Discover anyway? Once you have a Visa/Mastercard/AmEx, what does discover really do? Look at my siggy...who do you see trailing behind like a three-legged horse...lol? BTW, I've had it for over 3 years.
Agreed... my newest card and they are already way behind LOL...
@Anonymous wrote:
@1GaDawg85 wrote:I'm staying away from discover as well.....they don't wanna throw you a bone for anything unless you're squeaky clean
Don't know about that.
637 EQ FICO with Midland collections (2) for 6+ yr old C/O's showing along with said C/O's and 2 medical baddies as well got me $1,800 and 6 mos 0%..
They won't even look twice at me but I'm sure it's because of the BK and judgement that they filed against me
@TRC_WA wrote:
@Creditaddict wrote:
@TRC_WA wrote:Was it too many inquiries or too many new accounts?
Both?
I don't have letter yet but If I recall her reading correctly:
4. stupid to me again since many of said balances are under $10 (literally to show use on comenity and sync stuff)
In the eyes of creditors... a $1 balance is much worse than a $0 balance.
I've tested it... letting multiple $20 balances report on cards... and when they reported $0 my FICO went up.
Silly... but it's true... a dozen cards with a $1 balance will tank your score vs a dozen cards with a $0 balance.
This isn't supposed to be true ... but I can't figure out why my score increased. Your FICO score should just factor in your overall utilization. However, I moved all of my existing balances across multiple cards to 2 cards resulting in a 1 point utilization % increase. What gives? My FICO score jumped 10 points. I can't find anything that says FICO factors in total number of accounts with balances.
I applied a few times with discover, always declined so I decided to no longer bother as well. Of course, my credit was crap then.. But with discover being a YMMV lender I feel slighted lol.
Can have a fresh BK and get approved $3500. Perfect credit $1,000. 1 baddie, denied. So fickle. Freedom has same cats so the card isn't anything special.
@b_diddy wrote:
@TRC_WA wrote:
@Creditaddict wrote:
@TRC_WA wrote:Was it too many inquiries or too many new accounts?
Both?
I don't have letter yet but If I recall her reading correctly:
4. stupid to me again since many of said balances are under $10 (literally to show use on comenity and sync stuff)
In the eyes of creditors... a $1 balance is much worse than a $0 balance.
I've tested it... letting multiple $20 balances report on cards... and when they reported $0 my FICO went up.
Silly... but it's true... a dozen cards with a $1 balance will tank your score vs a dozen cards with a $0 balance.
This isn't supposed to be true ... but I can't figure out why my score increased. Your FICO score should just factor in your overall utilization. However, I moved all of my existing balances across multiple cards to 2 cards resulting in a 1 point utilization % increase. What gives? My FICO score jumped 10 points. I can't find anything that says FICO factors in total number of accounts with balances.
I had 11 cards report with a balance. So far 2 updated to 0 balance, score jump 4-7 points. I'm sure it's 2-3 cards is X # of points. 4-7 cards X points etc. something like that where after a certain number of cards it matters less as you have already taken all the points loss.