Discover Recon

[Anonymous]

Got my denial letter today, said too many inquiries, derogatory public record, even though it was paid in 2011 ugh lol. Length of accounts have been established. They offered the cosigner account, which I declined. So i want to recon, are they easy to recon with? What should I say? I need help from the Discover family please! Lol

[TRC_WA]

AFAIK they don't recon.  I don't think I've seen a single report of a denial turned into approval via recon.

I was denied in 2013... 4 years after filing BK13.

I was approved in 2014... 5 years after filing BK13.

One $500 CLI to $2k... repeated denials since... citing the BK13.  They were NOT included in the filing... this is my first ever account with them.

[Anonymous]

Interesting

[Anonymous]

Ive been denied by them for the past 3 years for a state lien that I have. Then 3 weeks ago I applied agian but this time for the Discover NHL card. I got denied for the current offer wich was the 0% apr for 12 months but then I got a meesage saing I got approved for a the same card with the saem perks but no 0% apr for 12 months. So I would recomed trying for the NHL card.

[Anonymous]

It depends with Discover. I find that there is no rhyme or reason to approvals or CLIs. I have had an account with them for over a year and I have been unable to figure out the magic formula for them. Since I have had my account, i have had one HP CLI of 1k. I am now out of my introductory period, but I still haven't received any auto luv. All i can say is be patient and apply again in a few months if you really want the card. Stay positive!!! Stay focused!!!

[Anonymous]

Of course, this is one of my goal cards. I might just wait it out garden and reapply later on like you said

[Anonymous]

Gardening is NOT a bad thing. It can only help. I garden often. I do it on my own a few months at a time. It works for me. I will be heading to the myFICO garden around September (I think?). One of my 2015 goals is to increase my CLs and some of my cards require HPs to do so. That's the only reason why I'm m not gardening now. Again, stay focused on your goals and you WILL achieve them. Keep me posted regarding Discover. See you around the forum and in the garden. 😄

[Anonymous]

Or should I actually try for this NHL Discover It card? Are you saying that the underwriting is different for that card?

[Anonymous]

Thanks

[Anonymous]

You're welcome!