Greetings all,
burned Discover in 2012 for about 1500 bucks. Never paid them back. Charged off fell off my report about 2 years ago. I have tried numerous times their pre approval link and always comes back as "prior outstanding relationship". Last time I tried was a couple of months ago.
Today I decided to try it again and I got 3 offers. Is this legit? Does it mean I'm no longer blacklisted by discover? please shed some light to see if the hard pull is worth it.
Fico score sitting at 730 across 3 bureaus, inquiries are low for equifax and transunion in the last 12 months. Thanks
I guess it all depends on how much you want their card and get back in with them.
If you ask me... I think it's worth the hp!
A brief history...
Burned them for over $6K in my BK7 dc 2011. Got back in 2015 with an $800 SL. Scores in the high 600s with single digit inquiries on file at time of app.
It's always YMMV but I say do it!
My very recent experience (this week) is that their Pre-Approval is dead on. I was approved off of one after having not been pre-approved several times over the past year or two. I had an old dismissed CH13 BK. It fell off Monday and on Wednesday I re-apped Disco with the aforementioned results.
@alessandrom wrote:Greetings all,
burned Discover in 2012 for about 1500 bucks. Never paid them back. Charged off fell off my report about 2 years ago. I have tried numerous times their pre approval link and always comes back as "prior outstanding relationship". Last time I tried was a couple of months ago.
Today I decided to try it again and I got 3 offers. Is this legit? Does it mean I'm no longer blacklisted by discover? please shed some light to see if the hard pull is worth it.
Fico score sitting at 730 across 3 bureaus, inquiries are low for equifax and transunion in the last 12 months. Thanks
The way I look at it, it might mean you're out of the doghouse and it might not.
The preapproval might be based purely on a soft pull which doesn't show the chargeoff. But the actual application isn't going to overlook the internal history.
If it were me, I would go for it. It's worth a hard pull.
Some DP for the community here. I decided to pull the trigger. I was approved and I'm thankful nonetheless however the credit limit was only 2k. Considering I have much higher limits it seems low. Still happy they gave me a chance though. Just wanted to share, have a blessed day.
@alessandrom wrote:Some DP for the community here. I decided to pull the trigger. I was approved and I'm thankful nonetheless however the credit limit was only 2k. Considering I have much higher limits it seems low. Still happy they gave me a chance though. Just wanted to share, have a blessed day.
Congratulations on your approval! 
It may be a low starting limit, but you're in the door now and hopefully the account will grow over time.
