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First ever Discover it Prequal!!!!

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datrucking210
Established Contributor

Re: First ever Discover it Prequal!!!!

Sorry to keep bumping this thread up but it's been 4 days since I applied and still no alerts of an inquiry on EQ so not sure what's going on

 

Another note I was denied for the Venture earlier this month so I decided to use that to get my EQ report. I see a PRM from Discover done on 4/29 and I guess they based the invitation off of that.

 

 photo discover sp_zpsrgbeb5oi.png

Mid 500's Spring 2014 As of 06/07/16 EQ-700^ TU-738^ EX-697v In the Garden 5/28/16! Goals 750 across the board end of 2016
AU:
Message 51 of 71
Anonymous
Not applicable

Re: First ever Discover it Prequal!!!!


@datrucking210 wrote:

Sorry to keep bumping this thread up but it's been 4 days since I applied and still no alerts of an inquiry on EQ so not sure what's going on

 

Another note I was denied for the Venture earlier this month so I decided to use that to get my EQ report. I see a PRM from Discover done on 4/29 and I guess they based the invitation off of that.

 

 photo discover sp_zpsrgbeb5oi.png


Is it possible they pulled another bureau? When I app'd for Discover they pulled TU for me, but I know many get EQ and/or EX pulled.

Message 52 of 71
datrucking210
Established Contributor

Re: First ever Discover it Prequal!!!!


@Anonymous wrote:

@datrucking210 wrote:

Sorry to keep bumping this thread up but it's been 4 days since I applied and still no alerts of an inquiry on EQ so not sure what's going on

 

Another note I was denied for the Venture earlier this month so I decided to use that to get my EQ report. I see a PRM from Discover done on 4/29 and I guess they based the invitation off of that.

 

 photo discover sp_zpsrgbeb5oi.png


Is it possible they pulled another bureau? When I app'd for Discover they pulled TU for me, but I know many get EQ and/or EX pulled.


They've always pulled EQ for me, no alerts for the other two bureaus either.

Mid 500's Spring 2014 As of 06/07/16 EQ-700^ TU-738^ EX-697v In the Garden 5/28/16! Goals 750 across the board end of 2016
AU:
Message 53 of 71
Anonymous
Not applicable

Re: First ever Discover it Prequal!!!!


@datrucking210 wrote:

They've always pulled EQ for me, no alerts for the other two bureaus either.


Hmm. That is strange then. Maybe give it a few more days to see if a HP ever shows up, and if it doesn't then good for you Smiley Wink

Message 54 of 71
datrucking210
Established Contributor

Re: First ever Discover it Prequal!!!!


@Anonymous wrote:

@datrucking210 wrote:

They've always pulled EQ for me, no alerts for the other two bureaus either.


Hmm. That is strange then. Maybe give it a few more days to see if a HP ever shows up, and if it doesn't then good for you Smiley Wink


That may be the only positive thing out of this whole ordeal.

Mid 500's Spring 2014 As of 06/07/16 EQ-700^ TU-738^ EX-697v In the Garden 5/28/16! Goals 750 across the board end of 2016
AU:
Message 55 of 71
datrucking210
Established Contributor

Re: First ever Discover it Prequal!!!!

Another update!

 

I received the denial letter in the mail and it had a joint application which I clearly stated to the rep that I wasn't interested in doing that. Now the application reference number on the letter doesn't even match the reference number I get when I check the online app status site. The app status just tells me more information is needed and I need to call. When I call they just tell me my app was declined. Shouldn't that be mention on the check status website in the first place. Whole process has been weird. 

Mid 500's Spring 2014 As of 06/07/16 EQ-700^ TU-738^ EX-697v In the Garden 5/28/16! Goals 750 across the board end of 2016
AU:
Message 56 of 71
Anonymous
Not applicable

Re: First ever Discover it Prequal!!!!


@datrucking210 wrote:

Another update!

 

I received the denial letter in the mail and it had a joint application which I clearly stated to the rep that I wasn't interested in doing that. Now the application reference number on the letter doesn't even match the reference number I get when I check the online app status site. The app status just tells me more information is needed and I need to call. When I call they just tell me my app was declined. Shouldn't that be mention on the check status website in the first place. Whole process has been weird. 


What were the denial reasons in the letter?

Message 57 of 71
datrucking210
Established Contributor

Re: First ever Discover it Prequal!!!!


@Anonymous wrote:

@datrucking210 wrote:

Another update!

 

I received the denial letter in the mail and it had a joint application which I clearly stated to the rep that I wasn't interested in doing that. Now the application reference number on the letter doesn't even match the reference number I get when I check the online app status site. The app status just tells me more information is needed and I need to call. When I call they just tell me my app was declined. Shouldn't that be mention on the check status website in the first place. Whole process has been weird. 


What were the denial reasons in the letter?


Letter has three reasons listed

 

Excessive number of recent credit bureau inquiries

Excessive number of credit bureau inquiries in the last 6 month

Insuffecient credit history

Mid 500's Spring 2014 As of 06/07/16 EQ-700^ TU-738^ EX-697v In the Garden 5/28/16! Goals 750 across the board end of 2016
AU:
Message 58 of 71
datrucking210
Established Contributor

Re: First ever Discover it Prequal!!!!

Never got hit with a HP inquiry

Mid 500's Spring 2014 As of 06/07/16 EQ-700^ TU-738^ EX-697v In the Garden 5/28/16! Goals 750 across the board end of 2016
AU:
Message 59 of 71
Anonymous
Not applicable

Re: First ever Discover it Prequal!!!!


@datrucking210 wrote:

Never got hit with a HP inquiry


Well that's the silver lining here Smiley Very Happy

Message 60 of 71
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