new Discover More card, where will HP be?

crunching_numbers · ‎02-25-2012

OK, after being completely tempted on the board, I left the garden and app'd DM. Got the card, 0% for 15 mos on BT, YEA! Where will the HP be? If I was to AP Citi in a month or two, where do they HP? Could I be lucky enough to end up with one HP on two diffferent CB's?

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)

morganirish · ‎02-25-2012

For me Discover pulled EQ and Citi pulled EX- in VT

crunching_numbers · ‎02-25-2012

I didn't know where you lived made a difference. Why? I live in IL if that helps anyone.

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)

Skinnyminnie · ‎02-25-2012

Discover pulled both Equifax and Transunion for myself being in Oregon. No experience with Citi so can't help ya there.

Grats on the Discover card though!

Anonymous · ‎02-25-2012

Discover pulled EQ and so did Citi, I'm on the East Coast.

Anonymous · ‎02-25-2012

I believe Discover pulls EQ or TU. Citi pulls EQ or EX. So there is a chance depending on your state you might get an EQ pull for both.

crunching_numbers · ‎02-25-2012

@Anonymous wrote:
I believe Discover pulls EQ or TU. Citi pulls EQ or EX. So there is a chance depending on your state you might get an EQ pull for both.

This stuff is so confusing. Why do they pull from different places for different people? Why does it matter at all where you live? Aren't these things processed in a central office somewhere? Even with multiple offices, you would think they would have a company policy. I don't get the lack of consistancy. So EQ or TU or EQ and TU for Discover.

How many pulls before red flags go flying?

Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)

Anonymous · ‎02-25-2012

@crunching_numbers wrote:
@Anonymous wrote:
I believe Discover pulls EQ or TU. Citi pulls EQ or EX. So there is a chance depending on your state you might get an EQ pull for both.
This stuff is so confusing. Why do they pull from different places for different people? Why does it matter at all where you live? Aren't these things processed in a central office somewhere? Even with multiple offices, you would think they would have a company policy. I don't get the lack of consistancy. So EQ or TU or EQ and TU for Discover.

How many pulls before red flags go flying?

It's confusing to me too. Amex and BofA are probably the most consistent. They first pull EX only and then if they are hesitant about something they may pull the others. I guess it's possible Discover can pull both EQ and TU like you mentioned.

tinuviel · ‎02-25-2012

We're in Florida, and they pulled EQ when my DH applied for More.

Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k

-Cain- · ‎02-25-2012

Discover pulled EQ and TU for my More application in August 2011. I am in California. I had a very thin file and short AAoA. That may have caused the extra pull from another CRA.