topic Re: Does Discover typically pull Equifax? in Credit Cards

Does Discover typically pull Equifax?

Anonymous — Mon, 25 Apr 2016 22:23:35 GMT

Last time I applied for a Discover card in September, they pulled Equifax. Equifax is my lowest score by over 70 points and therefore I did not qualify. I have 7 open disputes on Equifax. I am in the garden but have said since the beginning if I got approved for Discover it would be worth coming out. I was wondering if they usually pull Equifax? I know that I can pull up the website for my state but it seemed to be a mix. What do you guys think maybe 70% Equifax? I know it's hard to say for sure, just curious. My husband called them the other day because he was thinking about applying. When he got on the phone the customer service reps seemed so incredibly nice. I was thinking maybe I could call them and tell them I'm having a problem with Equifax and have several disputes but I'm interested in applying. Maybe worth a shot? If she says no they have to pull Equifax then I'll leave it alone.

Re: Does Discover typically pull Equifax?

thummel — Mon, 25 Apr 2016 22:28:46 GMT

Seems Like they normally pull EQ. Im in denver and thats what they pulled for me. From other approvals seems like they pull EQ aswell. You Never Know for sure though. Sometimes iv seen them pull TU.

Re: Does Discover typically pull Equifax?

Anonymous — Mon, 25 Apr 2016 22:41:28 GMT

Yea usually they pull equifax and same that is my worst score , they approve me with 622. the funny is they offer free TU score and for cli pull TU too.

Re: Does Discover typically pull Equifax?

taxi818 — Mon, 25 Apr 2016 22:51:40 GMT

Not 70% chance but over 90% chance they will pull equifax for approvals. and true if they pull you for a cli it will be Tu. in most cases they don't pull anything for a cli. they simply use the soft pull on file that is used to give you your tu fico score. If you really want to know simply go to the creditpulls data base. Type in your state and you will see what they pull in your area. If you have 7 open disputes i would not app anything with them until that stuff is resolved.

Re: Does Discover typically pull Equifax?

NyaBuksh — Mon, 25 Apr 2016 23:06:34 GMT

Yes, they pulled Equifax for my application

Re: Does Discover typically pull Equifax?

Anonymous — Mon, 25 Apr 2016 23:25:59 GMT

They pulled Equifax and Experian for me.

Re: Does Discover typically pull Equifax?

CreditCuriosity — Mon, 25 Apr 2016 23:27:20 GMT

90-95% of the time they pull equifax

Re: Does Discover typically pull Equifax?

Anonymous — Mon, 25 Apr 2016 23:51:20 GMT

I am in Ca and they pulled EQ for approval and TU for CLI's.

Re: Does Discover typically pull Equifax?

myjourney — Mon, 25 Apr 2016 23:52:51 GMT

EQ for me as well

Re: Does Discover typically pull Equifax?

Rebuilding69 — Mon, 25 Apr 2016 23:53:30 GMT

They tried to pull EQ for me in Wash State, but since my freeze on EQ had gone thru they weren't able to. They had me call them & I talked to the lady on the phone & she said she could pull another bureau instead & asked me which one I wanted her to pull. I asked for her to pull EX so she did, but I was still denied. Still waiting on the reason why. My scores might be a little low perhaps or too many inquiries or some such.

I was rather surprised I was asked which bureau I'd like them to pull.

Re: Does Discover typically pull Equifax?

Broke_Triathlete — Tue, 26 Apr 2016 14:18:32 GMT

The pulled EQ and EX for me.

ETA: I'm in Florida!

Re: Does Discover typically pull Equifax?

ddemari — Tue, 26 Apr 2016 00:39:47 GMT

Im in Illinois, applied for discover it several times throughout 2012-2016. Once in 2012 they pulled Tu, then every signle time for the next several yearrs, they pulled EQ. A few times they double pulled EX/EQ. I applied for Discover It miles in January and they single pulled TU.

Discover in my eyes is a big EQ puller.

Re: Does Discover typically pull Equifax?

Anonymous — Tue, 26 Apr 2016 04:33:30 GMT

I applied for the Discover IT in March and I was approved.

They pulled EX for me, and I live in Florida.

I did not have any bureaus frozen.

Dont know if it makes a differrence or not, but I was getting at least one prequal in the mail per week for a couple months before I made the app, and I think I used the code that was in the letter.

hth

Re: Does Discover typically pull Equifax?

Anonymous — Tue, 26 Apr 2016 04:36:40 GMT

I applied 2 wks ago, they pulled EX & EQ.

Re: Does Discover typically pull Equifax?

Anonymous — Tue, 26 Apr 2016 05:34:30 GMT

Double pull of the two E's for me

Re: Does Discover typically pull Equifax?

Anonymous — Tue, 26 Apr 2016 14:25:44 GMT

Got my Discover It last year and they only pulled EQ. DH got one last week and they only pulled EQ (in Michigan).

Re: Does Discover typically pull Equifax?

Anonymous — Tue, 26 Apr 2016 14:49:23 GMT

Yes, Discover pulls Equifax and sometimes they will pull another bureau as well. I keep all of mine frozen, but I unfroze my Experian file and I applied for the card. I got a message after I applied to call Discover and I had them pull Experian. Instantly approved. My better half was instantly approved and they pulled Equifax and Experian. Easy process all-around.

Re: Does Discover typically pull Equifax?

iheartwings — Tue, 26 Apr 2016 15:22:28 GMT

I got my Discover in 2012 while living in Missouri, and they pulled EQ.

Incidentally, I called them for a HP CLI about a year later, and they pulled EQ then, too.

Re: Does Discover typically pull Equifax?

Anonymous — Tue, 26 Apr 2016 16:35:31 GMT

Why did you need to use a HP for a CLI out of curiosity? Were you attempting a CLI amount that a SP simply wouldn't support?

Re: Does Discover typically pull Equifax?

satasat360 — Tue, 26 Apr 2016 23:09:01 GMT

@Anonymous wrote:
Yea usually they pull equifax and same that is my worst score , they approve me with 622. the funny is they offer free TU score and for cli pull TU too.

They use TU scores for AR and based on that they give CLI's and APR reduction

To th OP, I'm in CA and they pulled EXP for me