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  1. Hi there, everyone! [] I just opened my E-mail and I see this: To whom it may concern, It has come to our attention that you or someone in your household may have recently been delinquent, past due or simply made a late payment on 1 or more of your bills in the past six (6) months. If this information is true, please do not hesitate to apply for your priority UNSECURED Continental Finance Cerulean Discover®credit card NOW. To Apply Now...click here!!! Upon final approval, your unsecured Continental Finance Cerulean Discover® credit card, can provide you with access to SPENDING POWER with the following benefits: •Safe and secure online shopping •Rental car services and hotel reservations •Use your card at locations everywhere Discover® is accepted •Make low monthly payments on all your purchases This program has been designed specifically for those with special financial needs. We are currently reviewing applications REGARDLESS OF YOUR PAST CREDIT HISTORY! Then, at the bottom, this: * Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth and other information that will allow us to reasonably identify you. We may also ask to see your driver's license or other identifying documents at any time. Discover® and the Discover acceptance mark are service marks used by Continental Finance Company, LLC under license from Discover Financial Services. This card is issued by Services Credit Union and serviced by Continental Finance Company. This email was sent by a third party on behalf of Continental Finance. Continental Finance does not have your email address. To stop receiving emails for this offer only please visit this link. If you have any questions in regards to this offer or wish to not receive offers from the following company, please contact them at this address: Advertising Dept., 2 Wisconsin Circle, Suite 700 Chevy Chase, MD 20815 Attn: Customer Care. You are receiving this email due to your registration at a third party on Thursday, March 07,2013 with the following email address: . To be removed from this mailing list, please contact us here or write to us at: Email List Unsubscribe 114 N. Egan Ave Madison, SD 57042. Then, when I click on a link, it takes me to: https://www.theceruleancard.com/orange/?sid=2164&hid=660697591&cd=301675&c1=15293&c2=26Z4O2&c3=&chk=1&allowns=1&knt=1&ver=3#back It really does appear to be for an unsecured card........ What should I make of this? Thank you!
  2. http://www.doctorofcredit.com/the-discover-it-secured-card-does-graduate-to-an-unsecured-card/ Say what you want about Discover, but this is a solid rebuilding option that starts at $200.
  3. My first prime card since I screwed it all up years ago after college !!!! I'm actually shocked I'm part of the Discover family I'm excited! I applied for Discover It got a $1,000 limit with an intro apr of 16.99%. Does anyone have a recon number where I can plead for a higher limit ? I'm at $1,500 with Cap1 (Thank you EO office) and Amazon GECRB just bumped me up to $1,400 up from $800. What do you guys think , should I even give it a shot ? or just be happy with what I got ?
  4. A friend of mine has a $50K limit from Discover for an account from 2004, but has a promotional balance at a very low interest rate, causing his utilization to be at around 60% on that card, so I was suggesting he apply for a CLI, but wonder if he is already at the maximum they will give anyone. Does Discover have a maximum credit limit above which you cannot go beyond, if so, what is the maximum exposure they will allow?
  5. Hello, I have been dreaming of good credit and having a 730 since I've been little. I was in the process when I turned 18 and I got my first secured card courtesy of Capital One. I would pay it off every month. Then months later I applied for discover and a regular capone credit card and approved by both. I was paying my cards and then I lost a job and ended up moving to another state I for 4 months on my discover and 3 months on my Capone cards. As Soon as I got a job I paid off my two capone cards and Theb I paid my Discover card they reopend it for me and everything. I talked to capone today and they said they will send a letter to the three bureaus stating that I was unemployed so on and so forth and wait for a reply in the mail so praying they erase these late marks. Discover on the other hand was so rude they just kept saying by law we must report info to the credit bureau and that we cannot help you we do tell them that you are doing well every month that you pay . I was signed up with a lady who does credit repair but tmrw I will be opting out. I have read that I can do a goodwill letter And in some even say they did it through Email Please may someone help me What email address can I use to email my goodwill letter to Discover and what is the best address to mail one to them. I dont wanna be one of the people they just toss aside. I have been doing somewhat well with my score my fico is a 601 and the 3 bureaus are around 502 All my hard credit inquiry should be removed by February 2015 so then my score will in have these negative marks towards late payments when I was unemployed which suck. I would like to be able to get a loan one day well sooner than later. Anywho all and any help is appreciated thank you in advance thank you for bearing through this long post
  6. 4 years post Ch7, unfroze the 3 CRs for a bit since my scores were pretty good (low 700's) and ~1% util, 1 inq on each. Currently have Priceline The Shat 8K, CapOne 5K, BBRZzzz 500 (pffft!), Macys 2K, Kays 5k. BK'd some big boys, BOA, Chased, Wally, USAA, so don't have much of a choice where I can apply. Immediately got shot down by Amex, HP on EX. They are not BK friendly, that was reason given, but no longer on BL there. Not IIB, but burned them many moons ago pre BK. Got instant 5K recon to 8K by SSFCU/Security Service FCU for the Travel Rewards card, 3% on gas, airfare, dining, hotels. Pulls Chex to join, TU for credit products. Great CU that has business accounts too, very rare. Got 1.5K on Discover It, tried recon but no go for more. Pulled EQ. Not IIB, but burned them way back pre BK. So-so limit results but got back in w/Disco for the shopping discounts and the monthly FICO. CR's back to locked mode.
  7. I was declined for a discover it card, reasons being: % of balance to credit limit too high on revolving accounts Length of time accounts have been established Proportion of loan balances to loan amounts is too high What is the best course of action to get an approval? What are discovers requirements?
  8. Is Discover it worth the go for the $75 Amazon GC if it's basically a soft pull anyway?
  9. Hello all, When a credit card gets 180 days all, accounting rules call for it to be charged off to a value of -0- on the books of the owner of the debt. This does not mean that they cannot try to collect on it up to the SOL or sell it to a CA... But how can they report it as having a balance owing when it is on their books as -0-. Additionally, the three main CRA's sometimes report the same account in different ways. Discover and Webbank DFS (Dell) and Citibank all report it as owing money even thought they have sold or settled. Is this a violation of FCRA? I need to go after these because they are haunting me, usually mostly on Experian. HELP! and thank you
  10. did not read this until I settled, hope I save someone else some money...! Update! In April 2010, New York’s highest court, the Court of Appeals, confirmed that the statute of limitations that applies to a credit card debt may beshorter than six years, depending on where the credit card issuer is based. (See here for the Court’s decision, from Portfolio Recovery Associates v. King.) Here’s how it works: New York has a law stating that the statute of limitations on a credit card debt is six years. But New York law alsostates that a creditor cannot take advantage of NY’s six-year statute of limitations if the creditor’s home state has a shorter statute of limitations. (This is what New York’s highest court recently confirmed.) Some of the biggest creditors – such as Chase, Bank of America, and Discover – have home states with three-year statutes of limitations. If you are sued on a Chase, Bank of America, or Discover credit card debt, a three-year statute of limitations will generally apply. Example #1: Let’s say you had a Big Bank credit card. The last time you made a payment was in January 2007. You therefore “defaulted” in February 2007 (you usually “default” on a credit card debt about 30 days after your last payment). The statute of limitations starts running from your default, in February 2007. Big Bank sues you in a New York court in August 2010. Big Bank is based in Delaware, which has a three-year statute of limitations for credit card debts. Question: Has Big Bank waited too long to sue you? Answer: YES. Since Big Bank is based in Delaware, which has a three-year statute of limitations for credit card debts, New York law says that Delaware’s three-year statute of limitations must apply. Big Bank cannot take advantage of New York’s longer six-year statute of limitations just because it sued you in New York. Because Big Bank waited more than three years to sue you on the credit card debt, the statute of limitations has expired, and the court must dismiss the case. This same rule applies even if you are sued by a debt buyer on a credit card debt and not by the original creditor. Example #2: The same facts as in Example #1, except now, instead of Big Bank suing you, a debt buyer called XYZ Funding has sued you on your Big Bank credit card. Question: Has XYZ Funding waited too long to sue you? Answer: YES. You still look at where the original creditor is based – the debt buyer does not get any more time to sue you than the original creditor would have had. In Example #2, the statute of limitations that applies is still Delaware’s three-year statute of limitations, since Big Bank is based in Delaware. (It doesn’t matter where XYZ Funding is based.) Since XYZ Funding waited more than three years to sue on the Big Bank credit card debt, the statute of limitations has expired, and the court must dismiss the case.
  11. Hello everyone. A little over a year ago I stopped paying on my Discover account, which had a balance of over $9,000. I was working with a credit mediation company which Discover did not work with, so they charged off my balance without notice. A few months later I got a call from Zwicker & Associates, advising that they are collecting on my Discover debt that was charged off, and advising that I owe the $9,xxx.xx that was charged off. I did some research on Zwicker and found that they were sue-happy, and that several people that were sued by Zwicker were forced to go into bankruptcy. That was the last thing I needed, so my parents offered to loan me $5,000 so I could work out payment arrangements with Zwicker. I called Zwicker back and tried to negotiate a lower balance, before offering them the $5,000. They advised that they could offer me a lower balance of $6,xxx.xx (I forget the exact number), but told me if I agreed on that lesser balance that it would reflect negatively on my credit report because they told me it would show that I did not pay the balance in full. So I gave them the $5,000 and worked out monthly payments with them for roughly 12 months to pay off the rest of the balance in full. I recently started using USAA credit monitoring service, and became curious as to how the debt is showing on my credit report. There is currently nothing from Zwicker showing, only Discover. Discover shows up as a charge-off: Now, since I only just started using this monitoring service, I'm not sure if that $988.00 balance has been going down each month with my payments. I tried calling Zwicker this morning too see my balance with them was the $988.00 that I am seeing here on my Discover account, but Zwicker is apparently closed on Saturday's. So now to my question. Since I have, at this point, exceeded the negotiated balance I initially discussed with Zwicker, is it doing me any good to continue paying them the remainder of my balance if we can re-negotiate the lower balance again? Or am I safe to try to negotiate what I've given them so far as my final balance, and walk away if they agree to it? Is there any true benefit to paying the rest of the balance in full?? The reason I ask is because my next goal in life is to get my credit score and history back up and in order, so I can buy my first house in a year or so. I have some other debts that will be paid off in a few more months that have been impacting my credit scores, and I am hoping that a quick re-score will help out with things. But if I negotiate on a lower balance than whatever is left on this charge-off, will that reflect whatsoever on my ability to get approved for a mortgage, or will it impact my credit score/history negatively in any way? Additionally, once paid off (either at the full amount or at a lower, negotiated amount)... is there any way to remove this from my credit report? Discover told me they are not allowed to remove it (even though I told them it is only optional for them to have posted it in the first place, and they can remove it at their own will without any penalties to them), and they won't even discuss it further with me since the debt is no longer in their hands. Any suggestions?? Thank you!!
  12. So, I'm planning to refi my mortgage in about June. I've been bringing my utilization down over the last few months since that and new accounts is what is hurting the most right now (I did an app spree at the end of May last year that this card was part of). I've been pulling FAKO scores in the mid 600's for TU and low 600's for EQ (I haven't bothered checking EX in a few months). Today I decided to ask Cap One for an increase and got a 33% on one of my cards with them putting it up to 2k. Then I searched around for Discover to see if they do a hard or soft pull. I found that they do a soft and tried that. No love. I called back for a recon and talked to a wonderful lady in their SLC office, which on a side note is not far from where I live. We talked for a few minutes and she said that they would have to do a hard pull and for a CLI she said they must pull TU. Since TU is usually my highest I was silently jumping for joy while I pretended to be deep in thought about having another hard pull. I let her pull my credit and we talked about the old bad item showing (TU shows an old judgement that is paid and I have been too lazy to dispute properly b/c I've only disputed it online). So, I asked for an increase to 5k, the account started with 3 and I have over a 90% util on that card. She asked why I wanted the CLI and what I would use it for. I told her I didn't plan to use it as I just want to lower my utilization so I can have an easier time with a refi. She ran the numbers and didn't even ask about income directly, which when you take just my income instead of mine combined with my GF my debt looks higher than it is. She instead wanted to know that my employment was stable, asked about layoffs, my company is a software company and they do really well so that isn't an issue here. After placing me on hold a few times she came back and said they approved me for 10K. I've never had anyone give me more than I asked for until today. So, when I got the card it had the highest limit (although only for a few days when I got one from Matress Firm but I'm not really counting store cards). And now there is no question since it is so much higher than my other cards.
  13. I have a $677 charge off from Discover that has been updating every month on my reports as a charge off. It always shows on experian as a "late payment". Two weeks ago I sent them a PFD letter. I know typically that doesn't work for OC, but thought I'd see if some magic happened. I'm two years before the SOL. Discover owns the debt, they've sent me a few settlement offers. The letter I recieved back from them states: "We researched the dispute of liability for the above refrenced account. We found the account and balances to be valid. Enclosed please find (copy of statements). Payment in full must be recieved within 30 days from date of this letter. Upon reciept of the payment will will report to the credit reporting agencies the account is paid in full. Remit payment to (address) We will continue to report your account to the consumer reporting agencies as "disputed" unless you tell us to stop reporting disputed. " So... what does that mean? I didn't dispute it, I asked for a PFD. Are the offering me a PFD? Thanks... Jill
  14. Discover just reported a new TL on my EQ today. The extra TL boosted my score 6 points; I'm in process of B*; at Master TU EQ B* thread.. Date Opened: 12/20/2013 Balance: $0 Date Reported: 12/27/2013 EquifaxAs of 12/29/2013 707 GOOD
  15. Hello everyone, I am a newbie, but I have been reading the forums, and I decided to try and goodwill two consecutive 30-day lates with Discover. I emailed the CEO and another Exec the first time, and got a call with the usual "we have to report, can't change, blah blah blah." I waited a month and sent another pair of emails. This time, I got a call...the woman (in an annoyed voice) said "This letter was the same one I received from you in November, right?" And then re-iterated what she said last time. It wasn't the exact same letter, but, obviously, the content was similar, as it is my story. Has anyone else run into this? I haven't read anything like it so far... Has anyone been successful with Discover late deletes recently? Or not? These lates are the only lates on my report, and Discover has been super stiff about it. Thanks for any input or stories.
  16. I have a couple of charge offs that are 4.5 years old and the OC's still report a past due balance. I find it hard to believe that an OC would hold this debt on their books this long. I disputed with the CRA's and they both came back verified. The SOL in my state is 4 years. Has anyone experienced this? The two OC’s are USAA Bank and Discover.
  17. After seeing on here that Discover was offering a secured 'it' card, I decided to apply as I like the cashback offers, purchase/travel coverages, and my parents have always had good luck with their customer service. I didn't think I'd get an unsecured one, but I knew you had to apply, get denied, get offered the secured one, etc. so I filled out the app a few days ago. Well, this morning they called and left a VM asking me to call back, and when I did, they offered me an unsecured card! I was pleasantly surprised to say the least! It's a smaller limit ($1400), and a higher APR (22% I think she said) - but i won't carry much of a balance to rack that up. I'm just looking at it as a foot in the door with them to build a good history. I don't know who they pulled, and I honestly don't know my scores right now (I guess I'll find out since they show your TU FICO =) - but I've still got old collections & stuff I'm trying to sort out that are showing. I do have a SDFCU secured card w/ $3500 limit that I carry some balance on and always pay way more than the minimum on, a car loan that's about a year old (and previous ones going back farther), etc. - so my current stuff is all positive. Anyway, not a bad start to 2014 - some signs of progress in financial recovery
  18. 5% back on $250 through the end of March when you buy gas from Chevron/Texaco. discover.com/chevron Input login info and click sign up.
  19. I am looking for anyone who may be interested in a discover card that isn't currently a member. If I can invite you through refer-a-friend for the DiscoverIT card (no annual fee), you get $50 cash back on first purchase and I get $50 as well. You can email me at rclark@central-lee.k12.ia.us (teacher emails are ridiculous) and I can send you an invite via email or I can add you on facebook if you would prefer that. Thanks and let me know if you have any questions!
  20. One that's not even asked for! I opened my email this morning and there it was. An email from discover saying we've raised your CL $2500! from 7500 to 10,000! Yay! Yay! I did the happy dance!
  21. This is my DW's upgrade I'm talking about BTW. I had always assumed that when your Wal-Mart credit card got upgraded from their store card to the Discover Wal-Mart card that it would be the SAME Trade line. But this wasn't the case. In fact now she has her WM CC card with that CL be and when she called in to activate her WM Discover card they gave her a different CL. I just figured that they would CLOSE out her WM Store care but now when she logs into her account it shows the 2 different cards and you can click on to which ever one you want that you need too and also shows the different CL's and different balances. Kind of Cool that she keeps the WM Store card (for the uti) but with them adding a new TL her AAOA took a small hit and dropped her TU score by 3 points. No biggie as I'm sure she'll get that back soon. But didn't everyone else think that the upgrade would be on the same card and same Trade Line?
  22. New York Community Bank (under a variety of brands) offers a Discover Card with up to 5% cash back. That's awesome, right? "Up to" are the operative words. When you read the fine print (and then get out Excel and some ibuprofen), here's what you really get: It's not a bad 2% card if you only spend a little over a thousand a month, which is where the benefit is maximized. But it is NO 5% back card, nor anywhere close. Card offer: https://www.firstbankcard.com/nycb/site/personal/products/discover/discover_card.fhtml Fine print (rebate structure is in the second half, of course): https://www.firstbankcard.com/dynapp/DynamicApp?goterms=Y&Promotion_Code=84530
  23. Just over 2 weeks ago, I disputed again, the negative reporting from Discover Card, that did not belong to me with the 3 bureaus... I was only an authorized user... Discover had it reporting as a joint account. Thinking they would come back and state it was accurate again, I also filed with the CFPB... I'd never knew they existed until I posted here... Thanks to those folks that responded with CFPB!! Now.... This past Friday, I get an email from TransUnion stating there was an update to my dispute. I checked last night, all 3 credit bureaus, and it seems Discover or the credit bureaus have removed the negative reporting. Felt great, but today, I get an email from CFPB stating they had an update. I check the CFPB site, and there was a comment... The comment was from Discover reporting back to CFPB that they needed more time to research because the issue was complicated, so now I'm worried and have some questions.... 1. Being that it's been 15 days and the only response back to CFPB was they needed more time, is the removal permanent or are they allowed to keep researching this? Normally I wouldn't care, but I'm in the process or refinancing my mortgage and this is a make or break thing. 2. Could the negative report have been removed because of the dispute I placed with the credit bureaus, and not CFPB, or was it because of CFPB since it was removed in less then 30 days? 3. For whatever possible reason, will the credit bureaus allow Discover to put the negative back on the report, or is it now permanently gone .... as in even if Discover wanted, they can't put it back on because it was disputed and they allowed it to be deleted? Thanks!!
  24. Scored a nice CLI from Discover. Last jump was from $34 to $6k in November, followed by an auto CLI to $6750 in late January or early February. Asked for an increase today... approved to $10k -- woot! I appreciate this more than normal because my credit portfolio is SO heavy with GECRB that I need the diversification.
  25. I need advice and I need it fast!! I've had excellent credit for years but around late 2009, I found that my credit took a hit. It took a hit because of Citibank and Discover. On both of these cards I was only an authorized user, but they were both reporting it as joint with an ex GF. At the time, I contacted Citibank, and asked them to remove me off the card as I was only an authorized user. They researched quickly, and I was told that they would get me completely removed from the account and the account off my credit report. They stated they were doing it as a courtesy, but I know it was becasue there was nothing on application stating it was joint, becasue I was only an authorized user. I contacted Discover and they played hardball... They wanted my SSN, stating they need it to verify I was who I said I was. They wouldn't even talk to me without me giving it. I told them the same that I was only an authorized user. They stated they would research and get back to me. A few weeks went by and I get a letter stating that the account was Joint and the proof they had was that I had called in on the account a few years prior... Yes, I did call ... probably to discuss getting the rate reduced, but at the time, my ex had authorized Discover to discuss the acct info with me... I also think I called at a time the card had a zero balance.... I don't have a copy of the old bills, but I remember, the bills use to come in my ex's name only. After getting the letter from them, saying it was joint, I should have kept pursuing it, but I was expecting my 1st child, was stressed, and didn't want to take anything more on.. After that letter from Discover, I never heard a thing from them, that was until Nov 2012. I get a letter from an attorney with a copy of a request to a judge in the the circuit court of AR. My ex had moved to Arkansas a few months after we split. The letter includes a copy of a "Order of dismissal without prejudice", on a lawsuit filed against my ex and me. So then I figure, I'm good... and nothing to worry about.... Boy was I wrong. So last week, I find that my job situation will be changing in a few months, and knowing that if I refi my mortgage, I can cover my child care costs, I go for a refi. My credit comes up with a Charge Off from Discover, still reporting... I contacted the attorney, Discover is using about the Dismissal, to see if the Judge had signed off. I was told the Judge did sign off and it was filed with the courts clerk in AR. I've requested a copy... Now my issue is how do I get Discover to stop reporting and get this off my credit report ASAP.... I did dispute the charge off, with the 3 credit bureaus, stating it was not mine and that I was only an authorized user.. I have a feeling that it will come back with Discover stating it's joint account, just like they did before... without any real proof. I also need to get this removed ASAP, so I can proceed with a refi... Is there anything I can do? Can I contact anyone, within the State of MD where I am a resident, that can intervene in this matter ... basically force Discover to removed me and remove it from my credit report? I called Cedit Plus, because the lender I am looking to use uses them... They stated the odds are, with just the "Order of Dismissal" they can NOT get it removed because all that does is removes me from their lawsuit. How do I go about getting everything removed? Could a company like Credit Plus actually get it removed by requesting a DV? I'm wondering what they would do, if Discover came back to them and said it was a joint account because I had called in... Not only is this preventing me from getting a new mortgage, but it's hitting my credit score, forcing me into a higher rate... even if it were paid, so I need it removed. Thanks!!
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