topic Re: Discover it in Credit Card Applications

Discover it

Anonymous — Sun, 26 Jul 2015 21:30:07 GMT

I've read around that Discover pulls EQ. My EQ score is my lowest score & I wanted to know If I put a freeze on my EQ score would they be force to pull from my TU or EX score?

Re: Discover it

Anonymous — Sun, 26 Jul 2015 21:35:16 GMT

Probably be denied if frozen. What's your score?

Re: Discover it

Anonymous — Sun, 26 Jul 2015 21:45:29 GMT

@Anonymous wrote:
I've read around that Discover pulls EQ. My EQ score is my lowest score & I wanted to know If I put a freeze on my EQ score would they be force to pull from my TU or EX score?

Putting a freeze on a report in order to force a lender to pull another one is not encouraged here on MyFico. If you truly want the card, wait till your score improve a bit then go for it. Remember in the credit game, patience and time are your best assets.

Re: Discover it

Anonymous — Sun, 26 Jul 2015 23:21:04 GMT

Apart from EQ which is your outlier and likely has a collection or chargeoff you can't get removed, your scores are good. There is a database on some credit board (sic) you can google which based on your state can tell you what Discover et al pull. You might have to wait though. Or you could apply and if you are denied, then call Discover and ask them to pull one of your other reports and give them an explanation as to why there is such a difference in scores. Best of luck.

Re: Discover it

Anonymous — Mon, 27 Jul 2015 02:35:57 GMT

@Anonymous wrote:
Probably be denied if frozen. What's your score?

EQ 643 now

Re: Discover it

Anonymous — Mon, 27 Jul 2015 02:37:56 GMT

Well I was approved with a 647 eq and a judgement on my report. I was counter offered to a different apr, but I took it, just to get in.

Re: Discover it

Anonymous — Mon, 27 Jul 2015 06:00:04 GMT

Wow with your remarkable scores on the other 2 bureaus I would just avoid Eq pullers. Discover pulled Ex on me. They may reject you for negatives if they get hold of your weak bureau. Freezing many times can lead to outright rejection.