myFICO® Forums
Help
cancel
Turn on suggestions
Auto-suggest helps you quickly narrow down your search results by suggesting possible matches as you type.
Showing results for 
Search instead for 
Did you mean: 

BoA Denial and Disco Approval same day

tag
Get Access Now
Kchristophe11
New Contributor
‎08-16-2019 07:13 PM
‎08-16-2019 07:13 PM

BoA Denial and Disco Approval same day

I apped for both on Same day. Disco approved 7.4K SL and BoA denied. Both pulled Experian and Disco pull showed 685. BoA Denial letter says 654...they were done within a couple hours of one another. Called BoA and they said denial was due to recent late on a student loan...5 months ago. Although is current.

How can same day pulls have such different numbers? Also I subscribe to Experian monitoring and there was no drop in my score. I get instant notifications.

Anybody have any thoughts?
Message 1 of 14
13 REPLIES 13
KJinNC
Valued Contributor
‎08-16-2019 07:17 PM
‎08-16-2019 07:17 PM

Re: BoA Denial and Disco Approval same day

Maybe different specific Experian scores - like 8 vs 2 vs 9, standard vs Bankcard, etc? Congrats on the approval!



FICO Resilience Index: 64. Cards: 5/24, 2/12, 2/6. Accounts including loans: 8/24, 4/12, 3/6. Card CLs total $213,900, or $240,400 including the AU card. Cards (oldest to newest)

Authorized user / Corporate / Auto loans / Personal loan
Message 2 of 14
Rebuild2019
Valued Contributor
‎08-16-2019 07:17 PM
‎08-16-2019 07:17 PM

Re: BoA Denial and Disco Approval same day

Congrats and welcome to the DISCO family!

CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | NFCU Auto Loan
Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |
Message 3 of 14
M_Smart007
Legendary Contributor
‎08-16-2019 07:25 PM
‎08-16-2019 07:25 PM

Re: BoA Denial and Disco Approval same day

Congrats!!!

Message 4 of 14
Kchristophe11
New Contributor
‎08-16-2019 07:33 PM
‎08-16-2019 07:33 PM

Re: BoA Denial and Disco Approval same day

Thanks!! Good info
Message 5 of 14
0 Kudos
Kchristophe11
New Contributor
‎08-16-2019 07:33 PM
‎08-16-2019 07:33 PM

Re: BoA Denial and Disco Approval same day

Thanks!
Message 6 of 14
0 Kudos
Kchristophe11
New Contributor
‎08-16-2019 07:34 PM
‎08-16-2019 07:34 PM

Re: BoA Denial and Disco Approval same day

Thanks
Message 7 of 14
0 Kudos
Anonymous
Not applicable
‎08-16-2019 11:09 PM
‎08-16-2019 11:09 PM

Re: BoA Denial and Disco Approval same day

Congrats on your Disco approval!

Message 8 of 14
Marz2002
Senior Contributor
‎08-17-2019 09:16 AM
‎08-17-2019 09:16 AM

Re: BoA Denial and Disco Approval same day

CONGRATS  on your Discover Card approval and Welcome to the DISCO family!!!

AMEX BCP $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $15.2K | Citi Rewards WMC $15.5K | Citi Costco VS $12K
Citi Custom Cash WEMC $7.8K | Synchrony (PayPal Credit $6K, Care Credit $15K, & PayPal 2% MC $10K, VENMO VS $6.5K)
PNC Cash Rewards VS $10.5K | NFCU cashRewards VS $14K | NFCU More Rewards AMEX $37.5K | NFCU Flagship Rewards VS $23K
Discover IT $22.5K | BB&T Cash Rewards $4.5K | Macy's AMEX $25K | Bloomingdales AMEX $20K | Apple Card WEMC $9K
PenFed Power Cash Rewards VS $7.5K

Total CL - $284K+
Message 9 of 14
Kchristophe11
New Contributor
‎08-17-2019 09:29 AM
‎08-17-2019 09:29 AM

Re: BoA Denial and Disco Approval same day

Thanks!
Message 10 of 14
† Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.