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BoA Denial and Disco Approval same day

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New Contributor

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
Established Contributor

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 8 scores are deceptively high. My profile is young with a lot of new accounts and even more inquiries from 2019. The Barclay AU card is not on TransUnion; and, Equifax has some old positive accounts from 2011 that are not on the other two. That is the reason for the variation in scores. No derogs. Over 5/24 until fall 2021.
Cards

Authorized user / Corporate / Auto loan

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 045/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.

Goals: Late 2020 - Ducks Unlimited card; scores in high 700s with inquiries aging. Long-term goal - Prime rate mortgage; able to qualify for most standard credit products.
Message 2 of 14
Established Contributor

Re: BoA Denial and Disco Approval same day

Congrats and welcome to the DISCO family!

CARDS: Discover It | QuickSilver One | Open Sky | Kohl’s | BB&T Spectrum Cash Rewards | NFCU CashRewards | NFCU More Rewards | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 3 of 14
Super Contributor

Re: BoA Denial and Disco Approval same day

Congrats!!!

Message 4 of 14
New Contributor

Re: BoA Denial and Disco Approval same day

Thanks!! Good info
Message 5 of 14
New Contributor

Re: BoA Denial and Disco Approval same day

Thanks!
Message 6 of 14
New Contributor

Re: BoA Denial and Disco Approval same day

Thanks
Message 7 of 14
Valued Contributor

Re: BoA Denial and Disco Approval same day

Congrats on your Disco approval!

Currently: Gardening since 12/29/2019




Message 8 of 14
Valued Contributor

Re: BoA Denial and Disco Approval same day

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

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | Apple Card WEMC $6K | NFCU cashRewards $3K | NFCU More Rewards AMEX $25K
Macy's AMEX $1K | PenFed Power Cash Rewards VS $7,500

TCL - $166.5K+ | Rebuilding since April 2018
Message 9 of 14
New Contributor

Re: BoA Denial and Disco Approval same day

Thanks!
Message 10 of 14
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