How long is Discovers Black Out?

[Creditaddict]

Last year DH and I put our joint Discover card into a reduced interest payment arrangement... I recently paid the balance off years ahead of schedule (only like $3k though)

I just went and did pre-qual and it instantly pops back:

"current or previous Discover Card relationship"

Soft Pull on EX 697

[JNA1]

I got that same message for the reason for a CLI denial last week and I’ve never had a previous card with them, and I’ve never had anything but perfect payment history with my current card, so who knows?

[CreditInspired]

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@JNA1 wrote:
I got that same message for the reason for a CLI denial last week and I’ve never had a previous card with them, and I’ve never had anything but perfect payment history with my current card, so who knows?

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This is why it's extremely important to get your free annual credit reports from all 3 CBs and scour with a fine-tooth comb to make sure that all your info and credit history/profile are accurate. 
www.annualcreditreport.com

If it were me, I would not shrug this off

GL2U

[CreditInspired]

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@Creditaddict wrote:

Last year DH and I put our joint Discover card into a reduced interest payment arrangement... I recently paid the balance off years ahead of schedule (only like $3k though)

I just went and did pre-qual and it instantly pops back:

"current or previous Discover Card relationship"

Soft Pull on EX 697

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I would call and ask. 

[JNA1]

@creditinspired
I have done that. I don’t see anything that would trigger this. The language “previous/current” is confusing to me. It seems they would call out one or the other, because even if I had a previous account with them, you wouldn’t really know which one was the issue (unless of course you really did know).