Discover IT Help --- update!

[HiLine]

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@Sha80 wrote:

I called customer service today and my application could not be found. I decided not to apply again because my Merrick will double to $2000 next month and it will be my highest CL. Once that line reports I'll apply for the IT and hopefully get at least a $3000 limit.

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If you apply again, apply for the More instead!

http://ficoforums.myfico.com/t5/Credit-Cards/To-those-thinking-of-applying-for-Discover-It/td-p/1761...

[Anonymous]

I just got off the phone with Discover Recon dept. I talked to a young girl I think she may have been new because she had to put me on hold several times to get info i was asking. I then asked her what was keeping my application from being approved she told me the only thing noted on the app was a collection. The only one I have is from midland and paid so that gave me some hope. I asked her about my score and she said they dont have access to scores only basic info reported from the bureaus and then she briefly paused lol, after that I said thank you and wished her a Merry Xmas Basically if i can get this collection off my report there is a good chance they'll approve me. They pulled TU, if they would have pulled EQ i'd be golden because midland isn't reporting there and myfico score is 650.

[Tryon2improve]

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@Anonymous wrote:

I just got off the phone with Discover Recon dept. I talked to a young girl I think she may have been new because she had to put me on hold several times to get info i was asking. I then asked her what was keeping my application from being approved she told me the only thing noted on the app was a collection. The only one I have is from midland and paid so that gave me some hope. I asked her about my score and she said they dont have access to scores only basic info reported from the bureaus and then she briefly paused lol, after that I said thank you and wished her a Merry Xmas Basically if i can get this collection off my report there is a good chance they'll approve me. They pulled TU, if they would have pulled EQ i'd be golden because midland isn't reporting there and myfico score is 650.

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Have you paid the collection and reporting as such?  Call back and talk to another rep, I got approved with worse!  Tell them you want to build the relationship and that you hear they are a wonderful company. (they are)

[Anonymous]

I have talked to 3 different reps so far but all say the same thing. I paid but it's a recent collection as of Nov, 2012. I'm hoping I hear something back from midland as I have sent them an email as well as disputed the account on my reports. It's the only negative I have so i'm hopefull in getting this removed with a bombardment of GW letters. 

[mrcrush20]

Card is on its way! Thanks guys!

When I get it ill update the info on which CB was pulled and what the score was!

[Sha80]

Apparently my application has appeared because I received an alert from scorewatch. Discover pulled Equifax which is my lowest score.They denied me due to AAOA which is 4 years 8 months. No lates in 5 years and 0 collections. I have opened 6 accounts since October. 3 store cards, 2 Cap 1, and 1 Cap 1 business. The rep told me told to let those accounts age then reapply but every thing else looked great.