Question About Online Preapprovals

[Anonymous]

Generaly speaking, because decision isn't entirely based on credit score, what is the general credit card score range requirement for the Discover it card? 

[Anonymous]

seen as low as 640-645 but the limit is bad and not good terms either. with a good report i wouldn't app with any score under 660 personally

[Anonymous]

From Credit Pull Statisics, its seems Discover pull mostly from Equifax in my state but then there are a few sparse TransUnion and Experians here and there. Any explaination for this. Does it have something to do with ZIP code?

[Anonymous]

equifax is common for the initial application and TU for any CLIs.

[Anonymous]

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@Anonymous wrote:

From Credit Pull Statisics, its seems Discover pull mostly from Equifax in my state but then there are a few sparse TransUnion and Experians here and there. Any explaination for this. Does it have something to do with ZIP code?

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It is the way their algorithms are set up.  Will it ever be disclosed, we don't know. That is why the data is there for you to use and plan accordingly before you apply for their card.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

From Credit Pull Statisics, its seems Discover pull mostly from Equifax in my state but then there are a few sparse TransUnion and Experians here and there. Any explaination for this. Does it have something to do with ZIP code?

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It is the way their algorithms are set up.  Will it ever be disclosed, we don't know. That is why the data is there for you to use and plan accordingly before you apply for their card.

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Just curious about the sparse percents that weren't pulled from Equifax which was the majority reported for my state. But my assumption would be, the highest chance that they would pull my TU score. 

[Anonymous]

I'm looking at the stats sheet; does anything know if an applicant was decline for the Discover it card because the credit report had 5 accounts that were openned during the last 24 months?

[Anonymous]

they're semi new account conscious but not that much. that's chase with that rule

[Anonymous]

Discover it Miles

Equifax

748

$0

San Pedro

CA

90731

2015-03-28

6 inq, also pulled TU, prompted to call in and advised decline, 6% util, 3 years aaoa, no negs

This is an odd decline, I think.

[OmarGB9]

May have been something on that persons report that spooked Disco. We'll never know.