Discover... Sigh

[Anonymous]

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@Creditaddict wrote:
I admit my mistakes fully but I also think that once the debt is paid everyone should be washed of it not just the creditor!
You don't get my money and bring my credit down for 7 years!

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I agree, 7 years is a really long time and I too think that if you pay it and make good on you debt that it should be removed from your credit report. *Sigh*... if only it were that easy.

[lanvinjordan]

Same boat here. I'm quite confused. I've worked so hard to rebuild my credit and with astronomical jumps from my EQ and TU scores, I figured I'd try to get some better cards than what I have now. I finally responded to a Discover invite, Amex everyday card, Barclay's, and the Saks store card and got instant denials from all of them. My TU is a 760 (which I just found out here today and that's a lot higher than I even thought) and my EQ is a 667. I understand Amex, because they pulled from Ex, which is a lowly 610. What am I missing here?

[Creditaddict]

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@lanvinjordan wrote:

Same boat here. I'm quite confused. I've worked so hard to rebuild my credit and with astronomical jumps from my EQ and TU scores, I figured I'd try to get some better cards than what I have now. I finally responded to a Discover invite, Amex everyday card, Barclay's, and the Saks store card and got instant denials from all of them. My TU is a 760 (which I just found out here today and that's a lot higher than I even thought) and my EQ is a 667. I understand Amex, because they pulled from Ex, which is a lowly 610. What am I missing here?

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Barclay is probably the only one that pulled TU but anything North of 600 and you should be good... Did you call the recon number?

[lanvinjordan]

Thanks for such a quick response! I haven't called the recon number yet. I will try tomorrow morning. Just realized that Discover pulled TU and EX. Is it worth trying recon? With 9 inquiries now, I guess I have to lay low and make the best of the cards I have.

[Creditaddict]

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@lanvinjordan wrote:

Thanks for such a quick response! I haven't called the recon number yet. I will try tomorrow morning. Just realized that Discover pulled TU and EX. Is it worth trying recon? With 9 inquiries now, I guess I have to lay low and make the best of the cards I have.

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no recon with discover

[lanvinjordan]

Darn! I'll hope for the best with Barclays. 

[traveler2005]

CA

Have you ever tried doing a BT when applying for the discover, you know my hx, it took about 10 times applying before they approved me. I BT a balance from a chase card, and I was finally approved. 

[Anonymous]

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@lanvinjordan wrote:

Darn! I'll hope for the best with Barclays. 

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You should try anyways...you never know.

Good luck!

[lanvinjordan]

Thank you guys so much for your help! After a 3 minute recon call, I was approved for a $1000 line. I was hoping for more, but I'm thrilled to be approved and not waste a hp. The rep asked me a few questions about an old charge off (first premier), employment and income and then commended me on cleaning up my credit. Thanks again, guys!

[Anonymous]

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@lanvinjordan wrote:
Thank you guys so much for your help! After a 3 minute recon call, I was approved for a $1000 line. I was hoping for more, but I'm thrilled to be approved and not waste a hp. The rep asked me a few questions about an old charge off (first premier), employment and income and then commended me on cleaning up my credit. Thanks again, guys!

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See, whenever someone tells you "forget it", just keep trying 

Congrats!!!