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Established Member
Posts: 26
Registered: ‎02-17-2011
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Equifax credit inquiries

I'm looking at my Equifax report and it says


Most Recent Account DISCOVER FINANCIAL S  (Opened 09/xx/2012)


Inquiries - Requests for your Credit History

Numerous inquires on your credit file for new credit may cause you to appear risky to lenders, so it is usually better to only seek new credit when you need it. Typically, lenders distinguish between inquiries for a single loan and many new loans in part by the length of time over which the inquiries occur. So, when rate shopping for a loan it's a good idea to do it within a focused period of time.


Inquiries in the Last 2 Years 1
Most Recent Inquiry THE HOME DEPOT/CBSD (06/xx/12)




The question is: Did Discover issue a credit card to me without doing a hard pull?

Established Member
Posts: 26
Registered: ‎02-17-2011
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Re: Equifax credit inquiries

nevermind. i just checked TransUnion and the hard pull popped up there.

Moderator Emeritus
Posts: 14,122
Registered: ‎04-15-2011
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Re: Equifax credit inquiries

Yes, they pulled another CRA.   I've had the last 3 of mine pull TU.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.

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