Need help with Discover

[Anonymous]

I been trying to prequalify with Discover since a while. Previous relationship is the reason of the denial. Today I logged into Experian and it shows these offers. Is it worth applying or not?

[Anonymous]

No. Experian has no way of knowing if Discover will approve you. They are just showing you offers based on people who were approved with similar scores.

Experian tells me I am 99% matched for an American Express and Chase card. I have a bankruptcy on my credit report. Chase will auto decline me as long as it is on my report. Amex will auto deny because I am not 5 years post filing or discharge. Experian card match is just marketing.

[addicted_to_credit]

If that's on the Experian website it's not a pre qualify, it's just marketing in Experians part. You can go to the discover site and check there though. Prequals through disco are usually pretty solid too so if you get one you're probably good to go as long as everything matches up when they do the HP. Just make sure your income matches what's on your taxes because disco has been giving the ax to people that their income didn't match.

[Anonymous]

I'd try Discover's prequal site. If you had a prior write-off, that may need to be paid before they'll warm up to you.

The Experian site shows you what it thinks you'd match based on your current profile, but they may not know about a prior collection or blacklist status.

[Anonymous]

Not reliable. Discover prequalified offers are solid when from their own site 

[SarahJo]

Just to chime in, Discover site preapprovals are not always "solid," either.  Ask me how I know, haha.  

OP, the card recommendations on most sites that do not belong to said card's lender are generally pure rubbish, though definitely tempting.  And again, even a lender's preapproval is not guaranteed.  Research research research (use the forum search function here for prior approval profiles) 🍀

[mrfufoppss]

Try The Discover site pre approval if they show no offers..dont apply

[Anonymous]

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@Anonymous wrote:

No. Experian has no way of knowing if Discover will approve you. They are just showing you offers based on people who were approved with similar scores.

Experian tells me I am 99% matched for an American Express and Chase card. I have a bankruptcy on my credit report. Chase will auto decline me as long as it is on my report. Amex will auto deny because I am not 5 years post filing or discharge. Experian card match is just marketing.

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Thanks for the info. I will wait then.

[Remedios]

@Anonymous if they were included in your relatively recent BK, it's going to be a while. 

For some people, it might happen after 2-3 years, but most need longer than that.  

[pinkandgrey]

That looks like more of matching tool than a prequal. I would check Disco's own site. 

Good luck!