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I had a Discover IT card years ago that I let get charged off. I paid it in full three years ago. Since then my scores have gone way up and I don't have a problem getting approved for just about anything now... except Discover. I keep tyring their prequal page and always get the same denial reason. "Status of previous or existing account". So how long can I expect to get this message? Honestly I don't really need one of their cards, I just hate knowing I can't have one lol.
@WarthogWrangler wrote:I had a Discover IT card years ago that I let get charged off. I paid it in full three years ago. Since then my scores have gone way up and I don't have a problem getting approved for just about anything now... except Discover. I keep tyring their prequal page and always get the same denial reason. "Status of previous or existing account". So how long can I expect to get this message? Honestly I don't really need one of their cards, I just hate knowing I can't have one lol.
Are you getting that message when applying or filling out the pre-qualified form?
If you haven't tried the prequal, you should.
I personally did not pay them back the amount I owed, after eight years from amount closure I checked prequal and they offered a secured card... I accepted an roughly 7 months later they graduated the card; one year after opening the secured I applied for the IT card and was approved.
While I did get back in with them, they aren't bff's with me... they closed the first card for lack of use three months after I paid off my balance (the last card swipe was around six month's before closure).
My IT card hasn't had a credit limit increase in the 3ish years I've had it now... everytime I try, the denial mentions the previous account that charged off.