Discover Miles Denied & Others

Last statement cut my FICO showed up at 760 with Discover, been having their It card for about four years now, good payment history, ran about $10k on it so far and mostly always paid in full. Now that they have a miles rewards program I thought my score was good enough and relationship to get approved, nope, denied. They actually double pulled Experian and Equifax, which has one baddie. The account has been paid but had some lates on it about two years ago. Shame, maybe I can ask them to take a look at my TU report? Barclays CLI request on Ring, denied, they pulled TU too since if I requested it it's always a HP, I called the number on the back of the card to ask if I could speak to someone about the request and maybe get a manual review since I was thinking it was an auto denied for requested in less than 6 months (got the card back in February), lady was not very helpful, she said that if she transferred me it was going to get denied anyways because the "other people" will use the same system that already denied me, maybe I should try the backdoor number... Went and tried the Barclay rewards, wanted to test out if they could use the same HP for the CLI request, got the 10 day message (including another HP on TU)... so I guess I should call the backdoor number on Monday and ask someone competent to take a look at both requests. 760 ain't doing me any good.

A lot goes into their decision besides your Fico score.  They look at the whole picture.  How you've been charging/paying recently and they can also be a little spooked by a lot of new accts and many inq's over the past 6 month to 2 yrs.  Those lates seem old enough but you never now with them.  I have a Discover it but never app'd for the miles.  Just got in on the Barclay's Arrival+ with as you see a lower score and inq's as follows:  14 - EX, 14- TU, 9 - EQ.  I have a few ready to fal off but was still approved with a sl of 10k.  I woud recon both of those as soon as you can.  

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