topic Re: Discover Pulled EQ in Credit Card Applications

Discover Pulled EQ

Anonymous — Tue, 25 Nov 2014 17:54:40 GMT

As the subject line says. I applied for a different Discover product today and got the message to call in. I called in fully armed with my TU info just in case and they wanted to verifiy my employment position/title as well as my address. Each file has my address a little different, and I filled the app out in relation to TU. Well, after clearing up the address the CSR confirmed they pulled EQ.

So, at least for the Mid-West, TU is no longer exclusive.

Re: Discover Pulled EQ

CreditCuriosity — Tue, 25 Nov 2014 18:01:27 GMT

Never was.. Discover pull EQ 90%+ of the time probably... CLI's are TU typically.. the other 10 percent is TU or EX pulls probably on approval. Those aren't hard stats by any means but discover is known to be a EQ puller.

Re: Discover Pulled EQ

uswala — Tue, 25 Nov 2014 18:17:22 GMT

@CreditCuriousity wrote:
Never was.. Discover pull EQ 90%+ of the time probably... CLI's are TU typically.. the other 10 percent is TU or EX pulls probably on approval. Those aren't hard stats by any means but discover is known to be a EQ puller.

They did pull EQ only for my DW's approval last Nov.

Re: Discover Pulled EQ

ojefferyo — Tue, 25 Nov 2014 18:48:13 GMT

They pull EQ for me also

Re: Discover Pulled EQ

chalupaman — Tue, 25 Nov 2014 20:40:44 GMT

Where I live in GA, they've always just pulled TU but maybe that's subject to change.

Re: Discover Pulled EQ

B335is — Tue, 25 Nov 2014 20:56:18 GMT

I'm in Michigan (mid west I think?). Discover always pulled EQ for me. What other Discover product did you apply for?

Re: Discover Pulled EQ

Anonymous — Tue, 25 Nov 2014 21:37:34 GMT

They pull EQ in TX.

Re: Discover Pulled EQ

Anonymous — Tue, 25 Nov 2014 22:04:04 GMT

I've heard that Discover pulls depend on the card. The IT card tends to pull from TU

Were you non-TU guys doing it for a different card than the IT card?

Re: Discover Pulled EQ

Anonymous — Tue, 25 Nov 2014 22:08:49 GMT

I applied for Diacover It in September, Single EQ Pull. Wife applied for Discover More 3 1/2yrs ago. Single EQ pull then too.

Re: Discover Pulled EQ

Anonymous — Tue, 25 Nov 2014 22:11:17 GMT

@Anonymous wrote:
I applied for Diacover It in September, Single EQ Pull. Wife applied for Discover More 3 1/2yrs ago. Single EQ pull then too.

There goes my IT theory out the window.

They did pull mines and it was TU, I'm in California if that helps provide any more data

Re: Discover Pulled EQ

Anonymous — Tue, 25 Nov 2014 22:16:02 GMT

@Anonymous wrote:
@Anonymous wrote:
I applied for Diacover It in September, Single EQ Pull. Wife applied for Discover More 3 1/2yrs ago. Single EQ pull then too.
There goes my IT theory out the window.

They did pull mines and it was TU, I'm in California if that helps provide any more data

Im in California also. Discover pulled EX and EQ

Re: Discover Pulled EQ

Anonymous — Tue, 25 Nov 2014 23:55:11 GMT

I wonder what is up then? They have always pulled TU for me, originally for the Miles card and for CLI's. So this, for me at least, was out of the blue.

Re: Discover Pulled EQ

Anonymous — Wed, 26 Nov 2014 03:27:51 GMT

@Anonymous wrote:
Im in California also. Discover pulled EX and EQ

Lol, there goes any kind or reason then for who Discover pulls.

I just doublechecked my current EQ and nothing. Doublechecked an old Experian and still nothing. I was 100% TU'ed.

And since I was looking, here's the list of others that pulled my Equifax if anybody's wondering

DFCU

Capital One

Commenity

NavyFed CU

Penfed

Sprint

TDBank/Target

Re: Discover Pulled EQ

Anonymous — Thu, 27 Nov 2014 22:36:05 GMT

When I applied for Discover It in June '13, they pulled EQ and EX. I'm in Wisconsin.

Re: Discover Pulled EQ

14Fiesta — Thu, 27 Nov 2014 22:41:08 GMT

I applied December 2013 and they pulled TU only for the Student card.

Re: Discover Pulled EQ

B335is — Fri, 28 Nov 2014 00:53:47 GMT

@Anonymous wrote:
@Anonymous wrote:
Im in California also. Discover pulled EX and EQ
Lol, there goes any kind or reason then for who Discover pulls.

I just doublechecked my current EQ and nothing. Doublechecked an old Experian and still nothing. I was 100% TU'ed.

And since I was looking, here's the list of others that pulled my Equifax if anybody's wondering

DFCU
Capital One
Commenity
NavyFed CU
Penfed
Sprint
TDBank/Target

Cap1 Buypower pulls EQ, but generally they will hard pull from all three.

Re: Discover Pulled EQ

kaylord84 — Fri, 28 Nov 2014 04:59:36 GMT

Pulled Eq for me 2 weeks ago im from Illinois

Re: Discover Pulled EQ

Anonymous — Fri, 28 Nov 2014 22:02:51 GMT

Interesting. I have a TU pull from my Discover It app and don't see anything anywhere else.

Re: Discover Pulled EQ

elim — Fri, 28 Nov 2014 22:04:55 GMT

EQ both times they denied me

Re: Discover Pulled EQ

CreditUnionFan — Sun, 30 Nov 2014 05:14:19 GMT

I have the Discover More card, but applied for the Discover IT card.

They HP'd EQ for the IT card, and had me reallocate credit limit between the two cards to open the new IT card, yet keep the old More card.