Discover It Joint….want to get my own or separate this one. Any suggestions?

QuestionsDiscover It Joint….want to get my own or separate this one. Any suggestions?
Antoinette Mace asked 4 years ago

I have a joint Discover that was opened with my Mom in March of 2015.  Cannot seem to get a cli on this account.  Mom’s scores have taken a hit because of my sister (whole other story that I’ve posted about before)

 

Would like to get some information on either separating this account into two separate Discover It’s or applying for my own.  

 

What is the process that can be used to split this account and would it require a HP or SP.

 

Also, if I don’t separate this one.  How hard would it be for me to get one that is just in my name.

 

Scores now are in  the low 700’s but still a few blemishes from 2010-2012

 

Thanks in advance.  

 

 

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