So, I've been on this kind of thing to see whether I was pre-approved anywhere. If I'm not, no foul done with the places I'm checking as they don't do a hard pull.
I don't expect to find any, but I'm curious and curious about what they say as reasons I'm not (if any as Citi didn't say anything except no pre-approvals).
So Discover tells me I'm "Sufficiently Obligated". This isn't the same as if I were just denied.
First I thought well my Plantium is at a high utilization until it reports last month, then I remembered my student loans. They are in default and I'm in rehab on them.
I'm just curious exactly what this means. I would thing they are assuming I financially have enough on my plate and that is the way they feel, I can understand that.
But I would like to know which one is causing it.
FYI they pulled an Equifax with a 570 score.
My QS One and the Credit One were Pre-quals but I understand the meaning with those cards.
It was more of just a curiosity and since they do soft pulls for the prequal I figured it was worth just seeing what they say.
What I didn't expect was it to direct me on and since discover is on my eventual list I went ahead and followed through. This is what it told me. I was honeslty surprised because of the reason, because bluntly that's fixable. lol
I am betting I probably need to wait until my student loans are rehabbed for them, but I may try again in before that. Just see how the credit looks.
Thanks for you input. That was pretty much what I thought, but wanted confirmantion.