Discover IT denials and preapprovals

[Anonymous]

Hi all. Ok i have a question. I applied for Discover IT last year April..denied. Applied again this year in June..denied. Both times it said I would receive a letter explaining why, but neither time did they send me a letter? Now, again, without exaggeration, I am getting Pre Approvals in the mail AT LEAST twice a week, sometimes more. On their site it says I prequal for the IT card, as well as the Chrome. I dont get it?? Fico is 687. TU and EQ are 744 and 745. Stellar payment history on all my cards.Nothing bad on my report at all. 130k yearly income. Also, of course, both times i applied they were hard pulls. But still, never received a letter either time. What does discover want from me lol. And why keep denying me and then keep sending me preapprovals in the mail constantly and have both chrome and IT preapproved on their site. Not quite sure if  or when I should apply again? My report is top notch yet keep getting denied. Weird. Im a AU on hubbys IT card for almost 2yrs..again, perfect payment history there as well. Any input would be helpful, as Im pretty perplexed as to why i keep getting denied yet never a letter and keep getting mailings and such. Thanks so much for any help!

[FinStar]

Without knowing the specifics as to why your previous applications were denied it would be mere speculation in guessing the reasons, at best.

Did you ever follow up with Discover to request the reasons or resending the letter(s)? Seems odd you did not receive both letters given the separate application intervals.

[xaximus]

I would personally reach out to Discover and speak to customer service/EO. It's important to know the reason why you're denied. The other thing you can do is to make sure you have all the necessary information correct (I've had auto-correct plug in my old home address sometimes.)

[Anonymous]

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@Anonymous wrote:

...  Fico is 687. TU and EQ are 744 and 745. 

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Fico what is 687? And are these other scores from CK? If so, it would be useful to know your FICO 08 scores, which is what most CC lenders use. Vantage 3.0 scores won't inform us on Discover's U/W decision, at all. 

For a dollar you can get your 3-bureau scores here.

[Anonymous]

That is exactly where my scores came from. Credit Check Total and experian. :-)

Thinking Im going to have to call them directly and see what's up and why, even

tho I was told I would receive letters, I never did. Yet still getting at least 10 preapprovals

in mail every month. Hmmm. Thanks guys! :-)

[Anonymous]

Be sure to update please. Who likes an unsolved mystery?