*WARNING* Discover Pre-Qualification Hard Pull

[Anonymous]

Im waiting to app post mortgage so I'm not going to try again till summer when im ready to apply. My scores had just shot up a lot in the last month cause of some bad stuff coming off, so i was curious to see if I actually was preapproved for discover and Amex now. Haha Its satisfies me enough to know that I am, so I'm happy to wait! Good luck with Chase!

[Anonymous]

Thanks, Likewise!

[Anonymous]

Today marks exactly 4 weeks ive been waiting. Contacted Discover and Experian today to see if there is any updates, still nothing. Discover said it could take up to 90 days however talk to Experian to see if theres updates. Asked Experian to check if Discover had contacted them at all regarding the HP and they said there has been no contact from Discover. Still waiting.

[Anonymous]

I know it's only been 30 days but aren't you frustrated too? My dispute came back from EQ, says your report has not changed, hard inquiries are factual things on your report. Which obviously isn't always thecase. I called Discover and they told me the same thing they told you. I'm going to call EQ today like you did with EX. probably won't get anywhere but I'd like to see what those idiots say. Hang in there Ghostly, hopefully this will work out.

[Anonymous]

Very frustrated, my mouth dropped when the Exp rep said there has been no contact from Disco yet. The Discover rep who intially called me back the day of this whole fiasco sounded so reassuring that everything was gonna be okay dont worry we got you its our fault blah blah. No contact with Experian yet. 

Eventually I think itll get resolved but lets see, I'm giving them the benefit of the doubt for now.

[Anonymous]

Yep, I'll try to patiently wait these 90 days, then I'm going to file a formal complaint against them.

[Anonymous]

So I got a letter from Discover claiming that the inquiry is correct because of a credit application that was canceled. This is after I was assured that this is all their fault and they are already working on getting the hard inquiry out of my credit report within 90 days.

Called Discover again, explained the whole situation again. Apparently they are gonna work on getting the hard inquiry removed in 40 days now. Soooooo annoyed.

Can't blame anyone though its not human error, the computer messed up on their end. This issue is really trying to teach me some patience.

Will update when they call me in u to 40 days.

[Anonymous]

Funny, I was thinking about you today and wondering if they had taken it off yet. I'm typing out a letter tonight to Discover as a formality when I go and start complaining against them. I have only communicated through phone calls with them and I think I need to do as you did. Was that in response to the letter you sent them? It's ridiculous, I'm sure we aren't the only ones this happened too. This sucks, my eq score has not gone up since the inquiry hit, almost 2 months now! I'm trying to apply for a mortgage loan in the next month! Ugh, Good luck.

[Anonymous]

I haven't sent in a letter, not sure if the letter they sent me was in reponse to my call from a few weeks ago or from the guy who told me all is well wait 90 days. All my calls have been throught the acquisition department because they are the ones who handle apps/inquiries. I assumed they were handling it but seems like they dropped the ball. I'm tired of the constant waiting, I didnt take such a big hit but still, a hard inquiry is a hard inquiry. Best of luck to you!

[Gregory1776]

I LOL’D. Enjoyable read! 

They em should give you a 15K SL for the trouble?....🙃😗😉

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@Anonymous