Closing it is pointless since you get rejected for a second card over a collection. Keep working on the collection but it’s paid you need to get a goodwill. Who is the collection with? If you get the collection remove try for a unsecure card and then you can go about canceling the Secured one.
Starting Score: 494 503 521
@Anonymous wrote:
Hi All,
Quick question....I have Discover secured that I opened in June 2018, still hasn’t graduated. If I close it and try for preapproval might I get approved for an unsecured then? Every time I try for a second card, I get the reason “COLLECTION”, which I do have...a paid one from 1 yr, 9 months ago? So what should I do keep trying for PFD with the collection agency or close the secured account. Thnx
Fico 8
EXP - 639
TRANS - 621
EQU - 626
Util - 17%
Little confused. You say its paid. But then ask for PFD. Is it 2 collections or 1? What does Disco's pre-qual page say?
Yeah NCA is very difficult that’s why I’m not paying them and waiting until they fall off in 2022. But it isn’t falling off for awhile so yep harass them until they take it off.
My experience is that Disco is using Transunion as its primary CRA source of information.
So if that is where your "baddy" or "baddies" show up, that's where they are getting it from.
That was exactly the case for me when they closed my account that I had maintained faithfully for a long time, carrying a high balance that I finally paid to zero, then they did an account review few months following, found a baddie for another creditor which had a Charge Off with that is also paid but not yet been updated by CRA in my report. Therefore, Disco elected to close my account as a result...
