I just received my new Discover It and I noticed that the disclosure included cited only I CB score (TU). I know for a fact that they also pulled EQ but no mention of it was in my packet. My question is for those lenders that pull all 3(Cap 1 and sometimes Amex) which CB are they including ESP if its a decline? The worse of the 3 ? and if it weren't for credit monitoring or the ability to pull one's report; how would you know if multiple reports were pulled?
Since joining this board I have learned so much and your responses are appreciated.
Lenders are required to send you one score, whether that be FICO or otherwise. To my knowledge, not a single one does more than the minimum when it comes to this so we'll never get more than one score even if 2-3 are used to make the decision.
That is assuming you didn't receive their best terms at least; if you do odds are you won't receive anything in that regard.
@Revelate wrote:
That is assuming you didn't receive their best terms at least; if you do odds are you won't receive anything in that regard.
Thank you.
@Revelate wrote:
That is assuming you didn't receive their best terms at least; if you do odds are you won't receive anything in that regard.
@When I got my New Discover It card about 2 weeks ago ! I got the best rate @ 10.99% and also got my Eq Fico score . So I do know that Discover does send your score with the best rates. I thought that was pretty cool 
)) ...... Has anyone else got the best term and score?