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please sum up all discover dislike in this thread

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Valued Contributor

please sum up all discover dislike in this thread

had card 1 year 1000 starting line

2 hp's over 3 months 1500, 250 each time

closed account when disco requested 4506-t

Message 1 of 195
194 REPLIES 194
Senior Contributor

Re: please sum up all discover dislike in this thread

Wont do it Smiley Very Happy Love Discover! Frustration I've read from certain people is understandable though

Ink Cash Signature $8.5k ~ Discover it $15k
Blue Cash Everyday $15k ~ Diamond Preferred $15k ~ Slate $17.5k ~ Sallie Mae WMC $24.5k
EQ 712 EX 716 TU 721




Message 2 of 195
Super Contributor

Re: please sum up all discover dislike in this thread

... and also please share your details about what your credit profile looks like so we can put it in context... Smiley Happy

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
Message 3 of 195
Community Leader
Senior Contributor

Re: please sum up all discover dislike in this thread

did not approve with 690 EQ   :[


Message 4 of 195
Valued Contributor

Re: please sum up all discover dislike in this thread

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

Message 5 of 195
Super Contributor

Re: please sum up all discover dislike in this thread


@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.

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
Message 6 of 195
Valued Contributor

Re: please sum up all discover dislike in this thread


@NRB525 wrote:

... and also please share your details about what your credit profile looks like so we can put it in context... Smiley Happy


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

Message 7 of 195
Valued Contributor

Re: please sum up all discover dislike in this thread


@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

Message 8 of 195
Super Contributor

Re: please sum up all discover dislike in this thread

@elim, 637 got me in. What did they state for denial reasons?
EX FICO  16 INQ  791
EQ FICO  10 INQ  786
TU FICO  12 INQ  790
Total CL$477,00038 TL
Message 9 of 195
Super Contributor

Re: please sum up all discover dislike in this thread


@juggalo9er wrote:

@NRB525 wrote:

... and also please share your details about what your credit profile looks like so we can put it in context... Smiley Happy


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.

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
Message 10 of 195