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I applied for a Discover card in February 2014. I was declined due to a lien (Federal Tax) from 2009. I was offered a card with a co-signer. The IRS agreed to a Withdrawal of my lien days later. I'm sending a recon letter, with the following information:

 

Attn: New Accounts

Discover

PO Box 15410

Wilmington, DE 19850-5410

 

I'm including a letter noting that I would like a new card to do a BT at a lower interest rate for my Barclaycard.

 

I'm including the following information as part of the request for reconsideration:

 

1) Discover denial letter (copy) dated 19 February 2014, citing Lien as reason for denial

2) IRS Cover Letter (copy) dated 26 February 2014, noting withdrawal of lien

3) IRS Form 10916 – Withdrawal of Filed Notice of Federal Tax Lien (copy)

4) Upromise World Mastercard Statement, PE 08 Feb 2014 (5 pages) (printout)

5) Copy of Barclaycard letter agreeing to report account information

6) 2013 W-2

7) 2014 – Annual Notice of Pay Rate and Payday

8) IRS Form 1040 and supporting documentation – 2013 tax return

9) AFCU – Bank Statement PE 31 January 2014

10) Fidelity Retirement-Investment Statement, PE 31 January 14

I'm hoping this is enough for them to reconsider and approve with a balance high enough for a BT.

Last time they pulled EQ. My EQ FAKOs are: 727 on 2/20/14 on CCT and 624 on Scoresense as of 3/23/14. Baddies are the Lien (which is withdrawn and being process), 1-30 day late from Target, 6 months ago, 1-30 and 1-60 day late on Citi (closed account) 3 and 4 months ago. Also high utilization on the Barclaycard of 95%.

Not sure if they will pull a new report or use the previous (they didn't provide a score). I have four more inquiries since then and one new account Roaman's. Overall utilization is at 41%.

Any advice or information would be greatly appreciated. Especially anyone with a withdrawal of tax lien approved, but not updated on reports. (Sent letter to CRA's including the withdrawal notice. NYC doesn't provide certified copies of the withdrawal. They also haven't filed it yet, but since it has been more than 30 day, I hoping things will cross in the mail and I'll have some luck getting it deleted.

Overall goal is to obtain one more major credit card with a limit near or in excess of Barclays, reduce utilization and pay down student loans outstanding balance. Looking to be more financially fit with then next 6 -12 months for a mortgage.

TIA for your input and assistance!

Thanks,
Tanika

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IMHO you're better served using your energy making sure this is removed from your credit reports and then reapplying if you're hellbent on getting a Discover card. Then again, you're only out a stamp if this doesn't work, so why not?

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I would scan the withdrawl letter and attach it in an email the EO. I'd imagine though that they would want to see it off your report. They were pretty reponsive on my recon request - although I wasn't successful. I cleaned things up a bit and applied 2 months later and was able to get in with them.

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  • 4 weeks later...

Thanks for the replies. I had to re-apply, they wanted to pull a fresh report that had no lien. Did it all on one phone call.

 

They pulled EQ and EX and approved me for $2500 on the Discover IT card. I'm thinking to ask for a CLI on activation. It's 0% interest for the first 18 months. My first approval post lien removal. :yahoo:

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