Discover Approval

northway · ‎01-07-2023

So, I currently owe Discover $9K that was charged off in 2018. It dropped from my reports and the Discover app still shows an account that has a "Special Condition. Please call us for more info".

My credit score is in the mid 700s now, so I decided to try the pre-qual. Every time I tried up until the day the account dropped off of my credit reports, I received a "Status of Existing/Prior Account" denial. This time I was pre-qualified so I decided to go for it.

Application went pending, Discover asked for a 4506-C. Took about 2 weeks and I was approved for a new Discover It with a $7k limit. The account shows up immediately below the one that says "Special Condition."

My inquiries and newly opened accounts are through the roof on top of things.

EDIT: Wound up calling to settle. Initial offer was $6.6K on a $9K balance. I got them down to $2.7K and settled it on the spot as a thank you for letting me back in. Unfortunately the old account won't drop off of their internal systems for a few years, but they said my new account is free and clear and that I'm welcome back as a customer.

Personal Cards:

mgood · ‎01-07-2023

Congrats on getting back in.

$18,000 Chase Sapphire Preferred Visa Signature 01/23

$17,000 Chase Freedom Flex World Elite Mastercard 05/21

$12,000 Chase Prime Rewards Visa Signature 05/23

$17,500 PenFed Power Cash Rewards Visa Signature 01/21

$15,000 PenFed Platinum Rewards Visa Signature 01/21

$33,000 NFCU cashRewards Plus Visa Signature 05/25

$31,400 American Express Blue Cash Preferred 04/24

$18,900 Citi Custom Cash World Elite Mastercard 07/22

$9,900 Citi Strata World Mastercard 11/24

$25,000 Wells Fargo Autograph Visa Signature 10/21

$25,000 FNBO Evergreen Rewards Visa Signature 01/22

$5,850 Capital One Savor World Elite Mastercard 11/15

$4,300 Capital One Cabela's World Mastercard 10/15

$10,000 US Bank Cash+ Visa Signature 03/23

$7,000 US Bank Cash+ Visa Signature 12/23

$15,000 Synchrony CareCredit Rewards Mastercard 09/25

$8,500 Imprint Eddie Bauer World Mastercard 11/24

EQ8 780, TU8 748, EX8 771 as of January 2

AZE9 - 6% Utl - New Cards: 1/6, 2/12, 6/24

JoeRockhead · ‎01-07-2023

That's pretty incredible, all things considered, congrats on getting back in, and your new card.

NoMoreDebt · ‎01-07-2023

Very interesting scenario. Congrats on getting back in

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL

CreditAggie · ‎01-07-2023

Congratulations on your Discover approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (December 2025):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

FireMedic1 · ‎01-07-2023

Congrats @northway Welcome back!

BK Free Aug25

KingRue8500 · ‎01-07-2023

Congrats on your Discover approval

cashorcharge · ‎01-13-2023

WooHoo!! Congratulations on your Discover Approval!!👏🏼🍾🥂