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Discover blacklist

Valued Member

Discover blacklist

So I had a Discover card, went into charge off status, paid in full in 2014. Just app' d to see what would happen because I was approved for Amex and Cap 1. Of course denied. Do they blacklist forever?

Message 1 of 17
16 REPLIES
Moderator

Re: Discover blacklist


labmom2311 wrote:

So I had a Discover card, went into charge off status, paid in full in 2014. Just app' d to see what would happen because I was approved for Amex and Cap 1. Of course denied. Do they blacklist forever?


I'm sure they don't blacklist forever but 3 years in the credit card world is not very long.  People have been blacklisted by creditors for a lot longer than that.  Your paying off the chargeoff will eventually help but it may take a few more years.  When you get the denial letter, give them a call and it's possible that the rep you talk to can give you some idea of when you might be able to get back in with them.

Message 2 of 17
New Contributor

Re: Discover blacklist

I did IIB Discover, filled 5/12 discharged 8/12. This July i was able to get in with them for a secured. So about 5 years for me to at least get in the lobby, hopefully it will unsecure in the 7 months, i plan on watching this one careful to mature it into what hopefully will bring a good future. Discover was always one of my top go to cards back in the day.

Message 3 of 17
Valued Contributor

Re: Discover blacklist


labmom2311 wrote:

So I had a Discover card, went into charge off status, paid in full in 2014. Just app' d to see what would happen because I was approved for Amex and Cap 1. Of course denied. Do they blacklist forever?


There have been several folks who have burned them in the past and got back in with them. Since you paid them in full you should not be on their blacklist.

 

Call and recon. Mention you paid them in full.

 

 

Message 4 of 17
Established Member

Re: Discover blacklist

They do not blacklist forever. I burned them in the past and now have a Discover IT card.



Starting Score: EQ: 780; TU: 780; EX: 768
Current Score: EQ: 780; TU: 785; EX: 768
Goal Score: EQ: 820; TU: 820; EX: 800


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Message 5 of 17
Established Contributor

Re: Discover blacklist

I had a discover business card charge off in 2009 and I paid it off completely. They still use that as the reason to deny me. 8 times in the last 3 years. 

 

Whats more irritating is them sending me preapproved mailers every week...

Scores 01/04/2017: EQ 719, TU 750, EX 716
Goal scores: 740 across the board
Message 6 of 17
Valued Contributor

Re: Discover blacklist


mattmyFIC0 wrote:

I had a discover business card charge off in 2009 and I paid it off completely. They still use that as the reason to deny me. 8 times in the last 3 years. 

 

Whats more irritating is them sending me preapproved mailers every week...


Have you reconned them?

Message 7 of 17
Valued Member

Re: Discover blacklist

I haven't tried to recon, i could give it a shot

Message 8 of 17
Established Contributor

Re: Discover blacklist


sjt wrote:

mattmyFIC0 wrote:

I had a discover business card charge off in 2009 and I paid it off completely. They still use that as the reason to deny me. 8 times in the last 3 years. 

 

Whats more irritating is them sending me preapproved mailers every week...


Have you reconned them?


Yes, they won’t budge. 

Scores 01/04/2017: EQ 719, TU 750, EX 716
Goal scores: 740 across the board
Message 9 of 17
Moderator

Re: Discover blacklist

Can't recon discover computers make all the decisions, people have no power to do anything at disover other than being polite.

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Message 10 of 17