Discover It Denial- I Am Devastated!

[Anonymous]

Hey Hang in There,

I recieved an offer in the mail and apped with 660 and got Denied!  12 months later I re app'd when I hit 700 and got an instant approval for $6,500 so u never know!

[EAJuggalo]

Applied tonight for the fourth time I think and got approved for $1,000.  No 0% intro and the highest APR they offer but I'm in and I'll work on the other stuff later.

[MyLoFICO]

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@Anonymous wrote:

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@MyLoFICO wrote:

Thanks for the info. I will do that. I have my AR (annual report?) now. I pulled them a week or so ago. Plus, my UTIL is probably at 24% now as that 30% is almost a month old and I put my entire tax refund on it plus an extra paycheck. 

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If you pulled your annual credit reports for annualcreditreport-dot-com, you should be able to see the "Inquiries That Don't Impact Your Credit" section on the EQ report. Check for "AR-Disover Financial SVCS" .."AR" stands for "Account Review" in this case, which is exactly what it is.  That will be the last snapshot they have internally of your EQ file...you might see more than one from them which might give your an indication how often they are checking in on you...

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Nothing on EQF, TU has one every month on the 20th. EXP report is not available from AR yet. 

Congrats, @EAJuggalo!

[Anonymous]

Disco seems to be so ultra sensitive sometimes, marginal files get in, clean files get denied 🙄. Researching the posts, maybe I'll just go the secured route just to get in the door. You still get the same Benes and it seems to be just a 7 month graduation. Not too bad

[Anonymous]

lol..if I saw this thread when I searched then I wouldn't have posted asking if I should reapply.


I was denied for no real reason other than they coudln't match my info to my credit report yet the hard pull through Equifax is sitting there. I was thinking of reapplying for the Secured. (I used the find my card link on their website and apparently they show Discover It Cash Card for everyone) but I'm still torn.

[Anonymous]

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@Anonymous wrote:

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 3rd time was the charm for me, but I was a bad boy when I was in my very ealry 20's charged off a Discover Plat and Discover Gold both well over $3,000 each (after I stopped working there at least). Applied in Feb 2014, denied, Mar 2015, denied, May 2015 -> Approved...but there was a lot of clean up on my CRA's that went into the May approval.

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Did they tell you that was why you were denied though? I screwed myself with them years ago..but that wasn't why they said they denied me. They just said they couldn't match me to a profile like my address or social was wrong..but the hard pull is there.

[Anonymous]

I don't think its a big mystery, too many new accounts. Cool your heals for at least 6 months, 12 is better and show some loyatly to the banks that showe faith in you. Why do you need so many cards so soon? Chill out and enjoy your wins. 

[Anonymous]

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@Anonymous wrote:

lol..if I saw this thread when I searched then I wouldn't have posted asking if I should reapply.


I was denied for no real reason other than they coudln't match my info to my credit report yet the hard pull through Equifax is sitting there. I was thinking of reapplying for the Secured. (I used the find my card link on their website and apparently they show Discover It Cash Card for everyone) but I'm still torn.

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We told you to call them. They will remove the HP for a denial based on the inability to verify your identity.

[Anonymous]

I applied about 3 weeks ago, on the phone with a CSR. Original CSR transferred me to a delightful female who was extremely helpful... I called from a landline, and while talking to her, my cell rings... it's her! Verifying that it was me. Apparently there was some alert on CR stating to 'verify all identifying documents'. She said you're approved for a $2k SL, but I had to email a copy of my DL. Had the card in hand in 4 days, and a beautiful card it is! Love it so far.

Special thanks to Austinguy for being so helpful!

[Anonymous]

Hang in there. It's coming for sure...sorry for the decline..