12-24-2012 10:05 PM
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?
12-25-2012 01:14 AM
Yes, they pulled another CRA. I've had the last 3 of mine pull TU.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO