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Discover blacklist

Valued Contributor

Re: Discover blacklist


mattmyFIC0 wrote:

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. 


For data points. What was your score and was the Discover C/O on your report? Also, did they acknowledge you paid them back in full.

Message 11 of 17
Established Contributor

Re: Discover blacklist


sjt wrote:

mattmyFIC0 wrote:

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. 


For data points. What was your score and was the Discover C/O on your report? Also, did they acknowledge you paid them back in full.


They pull EQ for me, 720+ each time. It never showed as charged off just as transferred. They sent it to a 3rd party that I payed off. Yes, they can see it in their system that it’s PIF. 

Scores 01/04/2017: EQ 719, TU 750, EX 716
Goal scores: 740 across the board
Message 12 of 17
Frequent Contributor

Re: Discover blacklist

Hi. Did you apply for unsecured and then counter offered? I also included them in my 2012 BK. Been wanting to get back in.
|EQ 693|TU 671|EX 665| BK discharged 11/2012

[Cap 1 QS Visa Sig $50,000] [Barclaycard CashForward WMC $25,000] [Patelco CU MC $15,000] [US Bank Cash + Visa Sig $10,000] [BofA Cash Rewards Visa Sig $10,000] [BBVA Compass Clearpoints Visa $6,000] [Amex BCE $5000] [JCP $6,500] [Amazon Prime $6,000] [Target $2,000]
Message 13 of 17
Established Contributor

Re: Discover blacklist


skorpyo3 wrote:
Hi. Did you apply for unsecured and then counter offered? I also included them in my 2012 BK. Been wanting to get back in.

They even denied me for a secured card LOL!!

Scores 01/04/2017: EQ 719, TU 750, EX 716
Goal scores: 740 across the board
Message 14 of 17
Contributor

Re: Discover blacklist

I went on their site and did the pre-qualify and was instantly approved for the discover it, chrome and miles. I took the miles and was approved with a SL of 10k. It would never show me pre-qualified when I checked before.

This is the first time I've been able to get back in with them since my bankruptcy that was discharged in 2003. I did pay them back through bankruptcy though.
Delta Amex Platinum $1500, Target MC $3k, Cap1 GM BuyPower MC $3k, Overstock $1500, Discover Miles $10k, Cap1 QS $750 (lol). Chase Amazon Visa Signature 3k.
Message 15 of 17
Regular Contributor

Re: Discover blacklist

Another data point to add. Husband BK'd in 2010 and got a mailed "prescreened" offer. Did the online pre-qual and it came back with a LOWER rate than he was shown in the mailer (13.49 vs 14.49) and he accepted. Had to to a quick text chat w/agent, but they approved him for 13.5k. Maybe because he was an authorized user on my account? 

Message 16 of 17
Valued Member

Re: Discover blacklist

I got in over my head with credit cards about 16 years agoAt the time there were all kinds of ads for credit counseling, so I decided that would be a good idea.  And it would have been, had the company that I went through not been a scam.  I lost thousands of dollars and my credit score tanked.  I had a Discover at the time, and this company allowed it to completely charge off after I had sent in a cease and dissist letter to them forbidding them to contact me.  I didn't actually even find out the extent of the damage for a few years.  I applied a few months ago for a Discover and was finally approved.  I had applied about a year ago as well, but my utilization was much higher at that time and I was denied.  They won't blacklist forever, but they will be extremely picky about extending future credit, at least in my experience.

Starting Scores (4/22/18): 712EQ; 696TU; 727EX
Current Scores (6/22/18) 709EQ; 689TU; 724EX
Goals: 800+


Discover IT $9k; Cap1 QS $4.3k; Cap1 GM $500; CO $2.1k; Chase F $1k; Amex BCE $500; Gap Visa $1.6k; VS $2.5k; CareCredit $5.5k; Target $2k; Walmart $1k; JCP $1.3k; TJX $400; Justice $1.3k; HotTopic $800; Ulta $1090; Kohl's $3k; Best Buy Visa $1.8k; Amazon Prime $1.2k; Belk $500; QVC $400; PPE MC $600; Macy's $1.3k; Lowes $300; Ikea $5.5k; BofA CR $3k
Message 17 of 17