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had card 1 year 1000 starting line
2 hp's over 3 months 1500, 250 each time
closed account when disco requested 4506-t
... and also please share your details about what your credit profile looks like so we can put it in context...
did not approve with 690 EQ :[
approved 2 years post chapter 7 score was a 697
through the year closed on home
score rose to 722 i believe
utilization was never over 12% most months 1%
opened forum, upromise, barclay arrival plus wemc, lowe's, wal-mart
closed lowe's, two weeks later discover fr'd me
i closed them within 24 hours of notification
@juggalo9er wrote:had card 1 year 1000 starting line
2 hp's over 3 months 1500, 250 each time
closed account when disco requested 4506-t
hold on now, you just posted in another thread that you were doing a series of $11.00 BT between Discover and CapOne? That doesn't seem like an odd set of transactions to you? Just throwing out ideas for why they would want to know more about what you are doing.
@NRB525 wrote:... and also please share your details about what your credit profile looks like so we can put it in context...
and this means what
make excuses for a lender that either does not grow or grows so slowly people tire of it and simply stop using it
@NRB525 wrote:
@juggalo9er wrote:had card 1 year 1000 starting line
2 hp's over 3 months 1500, 250 each time
closed account when disco requested 4506-t
hold on now, you just posted in another thread that you were doing an $11.00 BT between Discover and CapOne? That doesn't seem like an odd set of transactions to you? Just throwing out ideas for why they would want to know more about what you are doing.
i am sure my account was fr'd due to a joke of an $11 balance transfer lol
if thats why they closed the account then they are worse then i could put into words
@juggalo9er wrote:
@NRB525 wrote:... and also please share your details about what your credit profile looks like so we can put it in context...
and this means what
make excuses for a lender that either does not grow or grows so slowly people tire of it and simply stop using it
No, each bank has tendencies that they follow for which credit profiles they like to lend to, or how they seem to adjust to certain circumstances. Just throwing out a comment that a lender asked for a 4506-t is not really putting the entire CCC - Cardholder relationship in perspective, including things like how the account was used, whether other CC were being opened, etc.
My intent is to provide some useful discussion. If Discover is running a form of AA, it is helpful for others to get the full story. Othewise it's just a pity party.