Discover IT Approved ---- and then Expired?

[jsully87]

So we called Discover Saturday Jan 3rd. to answer security questions -- congratulations, Approval of $1400. will get card in mail 7-10 days

Got a letter today dated Jan 5th --- OFFER LONGER AVAILABLE/EXPIRED

Back says EX and EQ pull

FICO 631 Dec. 29.2014

Range 300-850

Key factors - Serious delinq

Length of time accts. established

Time since derog or collections too short

% of balance too high on revolv. accts.

SOOOOO ---- what the??

[uswala]

Did you call them and ask? And what is the dtae on the letter?

[Anomalous]

^ +1 Call

[jsully87]

I will call and see --

Date on the letter is the following Monday after we called Saturday and approved over the phone.

Hope they didn't change their mind!!!

[uswala]

Call them asap. Their CSRs are usually very helpful.

[Anonymous]

+2. Call ASAP as others have stated.

[Zorasmiles]

---

@jsully87 wrote:

So we called Discover Saturday Jan 3rd. to answer security questions -- congratulations, Approval of $1400. will get card in mail 7-10 days

Got a letter today dated Jan 5th --- OFFER LONGER AVAILABLE/EXPIRED

Back says EX and EQ pull

FICO 631 Dec. 29.2014

Range 300-850

Key factors - Serious delinq

Length of time accts. established

Time since derog or collections too short

% of balance too high on revolv. accts.

SOOOOO ---- what the??

---

JSULLY, I'm sorry it seems like you and DH can't catch a super positive break.

I am sure that if your credit ap was sent to manual review, and your credit report showed negative movement with the score it could play a major role.  Perhaps with the fiasco with NFCU is a trickle down affect.  Your utilization could have increased with NFCU closing those new accounts, the balance transfer would show the other account maxed out, not to mention it would also look like the NFCU accounts would look very new.  

I would definitely check with Discover and try to recon the decision.  GL

[jsully87]

OKay -- on the phone now -- apparently when approved on the 3rd, rates expired that day.

They said I have to reapp -- not excited being that new NFCU accts reported one closed, one open. Balance transfers not reporting yet.

So util is okay...

BUT - they said they have to repull - but they will delete other INQ.

So now talking to Senior Analyst.

Wish me luck!!!

[jsully87]

Just finished app -- transfering over to another person so they can review the notations about the previous app/INQ thing.

[Zorasmiles]

WISHING YOU LUCK!!  SENDING PRAYERS YOUR WAY!!