topic Re: Discover Application... What does this mean? in Credit Cards

Discover Application... What does this mean?

Creditaddict — Sun, 15 Nov 2009 22:26:02 GMT

I applied last week, they pulled TU on the 14th according to my Credit Secure, well just got an update e-mail from credit secure and they pulled EQ on the 15th. Why would they pull a second report a day later if they were going to deny the application? But I really didn't think I had a chance at all in getting it, I was kind of thinking I might get offered the Household Bank one or something.

Re: Discover Application... What does this mean?

DI — Sun, 15 Nov 2009 22:43:15 GMT

Maybe Discover is wanting to compare your reports before making a decision. Credit reports are not always consistent among all three reports since the information isn't shared. Cap One is the only bank that I've heard who pulls all three reports

Re: Discover Application... What does this mean?

Anonymous — Sun, 15 Nov 2009 22:55:53 GMT

CCCU pulled hard on Experian and soft on Equifax for me.

Re: Discover Application... What does this mean?

Anonymous — Mon, 16 Nov 2009 00:07:48 GMT

They pulled a second CBR because the first pull raised an eyebrow. If you are denied be sure to recon.

Re: Discover Application... What does this mean?

Jazzzy — Mon, 16 Nov 2009 01:12:08 GMT

@Creditaddict wrote:
I applied last week, they pulled TU on the 14th according to my Credit Secure, well just got an update e-mail from credit secure and they pulled EQ on the 15th. Why would they pull a second report a day later if they were going to deny the application? But I really didn't think I had a chance at all in getting it, I was kind of thinking I might get offered the Household Bank one or something.

Hi Creditaddict...they pulled both TU and EQ for me as well.

Re: Discover Application... What does this mean?

DI — Mon, 16 Nov 2009 01:16:06 GMT

One more reason to have a freeze on those reports. When I apped for my Discover More card, they were only able to pull EQ.

Re: Discover Application... What does this mean?

Creditaddict — Fri, 20 Nov 2009 00:01:23 GMT

Denied for BK... so why the F would you pull a second report... thanks a lot Discover.

the lady I spoke to was rude and didn't know what she was talking about regarding several points about credit reports and obtaining a free copy because of denial.

Discover also didn't report to me that they even pulled a second report, I thought by law they have to state to you all reports pulled?

Re: Discover Application... What does this mean?

Anonymous — Fri, 20 Nov 2009 03:37:54 GMT

@Creditaddict wrote:
Denied for BK... so why the F would you pull a second report... thanks a lot Discover.
the lady I spoke to was rude and didn't know what she was talking about regarding several points about credit reports and obtaining a free copy because of denial.
Discover also didn't report to me that they even pulled a second report, I thought by law they have to state to you all reports pulled?

I don't think so, just the one the based the denial on.

P.S. It was just brought to my attention that this was my 4000th post! cwcid

Message Edited by creditwherecreditisdue on 11-19-2009 10:37 PM

Re: Discover Application... What does this mean?

Anonymous — Fri, 20 Nov 2009 01:56:13 GMT

For whatever its worth according to Score Watch, it shows Discover pulled my Equifax scores twice in the same day when i apped awhile ago.

Re: Discover Application... What does this mean?

Anonymous — Fri, 20 Nov 2009 02:37:50 GMT

On 2 occasions in the past few months I have had Equifax pulled twice per application. When I called about it both banks told me that the first pull provided no information so they pulled it again the next day. I called Equifax both times and they deleted one inquiry from each application, agreeing that there had to be something wrong for the same bank to pull the same report 2 days in a row. I've never had that issue with EX or TU.

Message Edited by hemi961 on 11-19-2009 06:37 PM

Re: Discover Application... What does this mean?

Anonymous — Fri, 20 Nov 2009 08:46:03 GMT

Ay carumba. I was hoping to app with Discover next year. Creditaddict - can you remind me where you're at in the bk world? For some reason, I was thinking they would look at you if your scores were high, even with a bk in the past.

Re: Discover Application... What does this mean?

Anonymous — Fri, 20 Nov 2009 08:59:38 GMT

I just got my Discover Card this month. I wasn't aware they had a Household Bank option. Could you go into detail about this?

Did you apply at the discovercard.com website proper or was a a different Discover branded card? Also, which card did you try for? I believe they have 4 options right now, Discover More, Discover Motiva, Miles and Escape.

Re: Discover Application... What does this mean?

Anonymous — Fri, 20 Nov 2009 15:21:37 GMT

Mizu wrote:
I just got my Discover Card this month. I wasn't aware they had a Household Bank option. Could you go into detail about this?

Did you apply at the discovercard.com website proper or was a a different Discover branded card? Also, which card did you try for? I believe they have 4 options right now, Discover More, Discover Motiva, Miles and Escape.

You apply at the DFS website. Your app is diverted to an HSBC offering if it is not up to snuff for DFS but good enough for HSBC. The HSBC issued Discover card is not the same product - it has an AF, higher APR and is lacking the benefits. Many who accept this card as a substitute for a DFS issued product end up wishing they hadn't.