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I tried the pre approval for Discover and the webpage that came up says:
Your Personalized Offer
Here's The Card We Found For You
It doesn't actually say "Pre Approved"
I don't want to risk any HP for awhile.
If it is a pre approval, I think it's worth the risk, but if it isn't, I'll pass for now.
Anyone know if this is a pre approval?
Thanks
Thank You Michikade!
I owe you - 1 HP save LOL!
This is great information!
Even if it was a preapproval, do not rely on preapps.
@Anonymous wrote:I don't want to risk any HP for awhile.
HP's are a relatively small factor though they can have a greater impact those with thin and/or poor credit profiles. Based on the scores and limits in your signature you probably need to focus on working on your issues before applying for anything. Hit the Rebuilding subforum and carefully research.
Takeshi74,
My current scores are 620+ and I've added a Credit Union auto loan.
I thought a mix of 2 store cards and 3 CC's are the optimum goal for rebuild?
I'm not sure what issues you think I need to work on?
Thanks for your input
There was another thread here on the forums from about a week ago, where it was stated by a few individuals that with Discovers prequal site, if you get a fixed APR as opposed to the range that you got, it was considered to be pretty good odds you'd get approved.
I've been checking the prequal site and I keeep getting the range as opposed to a fixed, and it's really annoying the Hell out of me. I've already got Discovers More card that I've had for 5 years with an $18,300 limit on it. My scores are all around 770 with nothing negative. I'm currently waiting on about $8000 in paid off debt to report on my reports, and when it does I'm just gonna apply for the It! card, even if I still keep getting the range APR. As Discover is an awesome CCC IMO. And I'd love to have 2 of their cards. Hopefully that debt will report today, as I had paid it off back on the 19th and it's been a week already and it seems like it should report any minute now.
I'm nowhere near as knowledgeable as Takeshi74, but I will say that based on your signature and the info you're provided, IMO (no offense), you really don't have a very long and proven track record of handling credit well. And your current limits and scores are probably too low for a Discover card. I would think you'd need scores in the 650 on up range to even have a shot at a Discover card. I don't think I've read of many people getting one with a score less than 650, and if they did it may have been a little lower than 650, and they probably had other factors in their reports that helped them over compensate for the lower score.
Discover does have a secured card though that I don't know much about, I would think that could be a possibility for you and you may want to do some research on that one.
Yeah I tried for months using there preapproval and kept getting a range, plus I kinda of feel it don't check anything but get you to sign up for there cards.