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TRIGGER???.

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Creditin
New Contributor

TRIGGER???.

I recently got a not so good experience with an app that I was pre-qualified and then denied.

The Credit Bureau in question was Transunion. So I went to AnnualCreditReport and checked the file.

Nothing out of the ordinary, except that next to Discover was the word Trigger. It was a SP.

BTW, my AUs are there, but didn't do squat for me.

Is it possible that that little "stain" could be the reason for the denial?.,

I remember asking for a CLI about that time. With 0 balance. Denied, but that's OK.

What's your opinion?. Thanks in advance.

Cheers

Message 1 of 8
7 REPLIES 7
Remedios
Credit Mentor

Re: TRIGGER???.

It has nothing to do with your denial. 

Read up on Trigger Leads by CRAs, that's what it is  

 

They SPed your report based on it 

Message 2 of 8
NRB525
Super Contributor

Re: TRIGGER???.

Ok, I'll bite. 
Does OP already have a Discover card, or the Discover was the denial and now appears on the credit report as a marketing skeleton?

 

I will admit to major confusion. 

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 3 of 8
Creditin
New Contributor

Re: TRIGGER???.


@NRB525 wrote:

Ok, I'll bite. 
Does OP already have a Discover card, or the Discover was the denial and now appears on the credit report as a marketing skeleton?

 

I will admit to major confusion. 


Yes, I have a Discover card.

A few months ago, I asked CLIs in the small limit cards. Discover amonst them. 

Fast forward to the Trigger thing.

A few days ago, I prequalified for CreditCare for 9.2k, pressed the "not interested"

key, since the interest rate was too high, and they did prequal me anyway. It was a denial. SP. Transunion.

I went to Transunion to check if something was really wrong in the file.

Nothing was. They have approved me with much less credit and much lower credit score.

The only thing out of the ordinary was a notation next to a Discover SP saying "Trigger." 

From when I asked for the CLIs before all this. And @Remedios sent me the info to 

read what CRA Trigger is, I know now what it means.

Has nothing to do with the denial, as was pointed out.

Hope this clarify the situation. For I tend to think way more than I convey.

Cheers.

 

 

Message 4 of 8
NRB525
Super Contributor

Re: TRIGGER???.

I'm still clueless. 

Does discussion of CRA Triggers violate MF TOS, so links about it cannot be shared?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 5 of 8
Remedios
Credit Mentor

Re: TRIGGER???.

@Creditin i get one of those every time Disco offers me a new product such as savings, PL, etc 

 

This is just the latest one 

Screenshot_20220416-101951_Chrome.jpg

 

Message 6 of 8
Remedios
Credit Mentor
Message 7 of 8
LawStudentCivilis
Established Contributor

Re: TRIGGER???.

OP thanks for creating this post, and thanks for the link @Remedios .  I haven't checked annual credit report probably in at least three weeks to a month.  Same as OP I found "Discover Trigger" on my Transunion report. Learn something new everyday I guess.

Message 8 of 8
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