Discover Recon

[Anonymous]

My fiance got a pre-approval letter and was declined for a Discover card the other day and we got the letter stating derogatory information on the report is the reason.  My question is, how do I proceed from here?  I want them to do a recon, esp considering that we paid her only collection on Friday.  What do I do next?  I know the recon number is in the "backdoor numbers" thread, but what to I tell them?? 

[fused]

How old is the collection she just paid?

[Anonymous]

early 2005

[fused]

I doubt Discover will approve your wife with a collection this recent, paid or unpaid. Although Discover has eased-up on their underwriting, they are by no means an easy approval. Recon can't hurt but I would be surprised if Discover approves her app.

[Anonymous]

So, in order to Recon, what does she do?  When she calls, what does she say??

[fused]

What are your wife's FICO TU and EX scores?

[fused]

Here is the most current number I have for Discover recon. She should call them and say she was TD for a card and wants to be reconsidered. She should be prepared to answer questions, give good answers and verify information.

888.676.3695

[Anonymous]

thank you

[fused]

No problem! Do you know her EX and TU scores? Discover looks at all three reports but does only one hard inq.

[Anonymous]

Last I checked (3 months ago) all three were between 635 and 655.  The most recent one I have is 671 on EQ last month.