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. 
Was it too many inquiries or too many new accounts?
Both?
@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.
@Anonymous,
Sorry to hear about the decline..
@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.
I'm staying away from discover as well.....they don't wanna throw you a bone for anything unless you're squeaky clean
@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.
