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Ok so heres my story with discover and overall. I recently went on an app spree...Discover It for students was one of those apps. Ithat was on July 5. There are seven total inquiries on Transunion at this moment. I was denied for the It for students due to a collection. Since then the collection has been deleted. I called back as soon as it was deleted to recon the app, however...it was the 31st day! Appafently my app had gone into archive and could not be reviewed again. Now, messing around last week i decided to mess around with their pre approved cadd checker. The ond for students said nothing, however i changed jt to average credit from a student and bam...i have been preapproved. A couple of days ago...i also got a letter from them in the shjny blue envelopd stating the same thing. So...what to do?!
How jnquiry sensitive are they? I have 7 on TU...whicb is apparently what they pull for me. A 691 Fico...and a preapproval. However my last app to them was July 5th! Yet they sent me the preapproval afterwards?! Please help!
@Reese2107 wrote:Ok so heres my story with discover and overall. I recently went on an app spree...Discover It for students was one of those apps. Ithat was on July 5. There are seven total inquiries on Transunion at this moment. I was denied for the It for students due to a collection. Since then the collection has been deleted. I called back as soon as it was deleted to recon the app, however...it was the 31st day! Appafently my app had gone into archive and could not be reviewed again. Now, messing around last week i decided to mess around with their pre approved cadd checker. The ond for students said nothing, however i changed jt to average credit from a student and bam...i have been preapproved. A couple of days ago...i also got a letter from them in the shjny blue envelopd stating the same thing. So...what to do?!
How jnquiry sensitive are they? I have 7 on TU...whicb is apparently what they pull for me. A 691 Fico...and a preapproval. However my last app to them was July 5th! Yet they sent me the preapproval afterwards?! Please help!
Make sure your CR's have updated first
Pre-approval means nothing tho..sorry
If you would like to share more info maybe we can help
Scores
AAoA
any more baddies
Other cards
Ficos:
TU: 691
Equifac: 664
Experian: 688
AAoA: 3 months
Cards: Wells Fargo Secured: 2000, BoA Cash Rewards Platinum: 3000, Citi Forward: 1500, Buckle: 250, Kay's: 300 and....no baddies...whatsoever.
@Reese2107 wrote:Ficos:
TU: 691
Equifac: 664
Experian: 688
AAoA: 3 months
Cards: Wells Fargo Secured: 2000, BoA Cash Rewards Platinum: 3000, Citi Forward: 1500, Buckle: 250, Kay's: 300 and....no baddies...whatsoever.
How is your UTL?
AAoA is not good at all..sorry just being honest
its no problem. I understand its not good. lol. Utilization is at %10.
@Reese2107 wrote:its no problem. I understand its not good. lol. Utilization is at %10.
Everything looks good except AAoA
IMHO I would wait 2-3 months and apply again I think you will have no problem being approved at that point.
Keep doing what your doing keep UTL low and I think you will be golden
the aaoa is low...if you do get approved it might be for the low limit...if you wait a bit for your aaoa to go up, they might give you a better starting cl
Honestly, that is what im hoping for with the Discover. Therefore I will simply wait....it wont be a problem. I was just curious as to everyones opinion. Thank you.;
@Reese2107 wrote:Honestly, that is what im hoping for with the Discover. Therefore I will simply wait....it wont be a problem. I was just curious as to everyones opinion. Thank you.;
Your welcome glad to help and don't be a stranger hangout with the forum we will always help