topic Re: What CR does Discover pull? in Credit Cards

What CR does Discover pull?

Anonymous — Thu, 08 Sep 2011 16:14:59 GMT

I finally received a pre-approval letter from discover after more than 7yrs of rebuilding my credit after a BK. I've been wanting a Discover for a while and want to apply, but hesistant because I'm currently waiting for a dispute with EQ to finalize and have a baddie removed which should not be there. It dropped my score from 714 to 677 on my EQ score. I was so upset when it showed up this month out of the blue when it is false info. TU and EX are both above 700. Anyway, would just like to know what Discover pulled for people on here. I am aware that it could be different depending on the area you live in so anyone in oregon would be very helpful.

What CR does Discover pull?

Anonymous — Thu, 08 Sep 2011 17:06:27 GMT

For myself and all I can remember reading here Discover pulls TU.

lled Re: What CR does Discover pull?

CreditMuppet — Thu, 08 Sep 2011 17:12:33 GMT

Pulled TU for me last week in PA. Good Luck!

Re: lled Re: What CR does Discover pull?

Scuba — Thu, 08 Sep 2011 17:18:09 GMT

Pulled EQ for me in CA all 4 times I applied.

Re: lled Re: What CR does Discover pull?

Anonymous — Thu, 08 Sep 2011 17:46:37 GMT

TU for me

Re: lled Re: What CR does Discover pull?

Itsmeagain — Thu, 08 Sep 2011 17:46:49 GMT

TU for me in Georgia. TU also for CLI.

Re: lled Re: What CR does Discover pull?

MakeItAMudLight — Thu, 08 Sep 2011 17:57:27 GMT

They pulled EQ then TU here in Tennessee.

Re: lled Re: What CR does Discover pull?

Anonymous — Thu, 08 Sep 2011 18:02:18 GMT

I haven't had a Discover card for awhile but, when I did, Equifax is the only CRA that ever reported anything, and, in fact, it is STILL reporting years and years after the fact. Oh BTW, I'm in California.

Re: What CR does Discover pull?

andre181 — Thu, 08 Sep 2011 19:24:37 GMT

They pulled EX for me when I applied, but they pull TU when I ask for a CLI

Re: What CR does Discover pull?

Anonymous — Thu, 08 Sep 2011 19:49:26 GMT

Thanks for all your replies...seems that here on the west coast they pull EQ, it's funny how it changes based on your geographical location...or could it be that it is just a random draw on which CR they pull. Guess the best thing for me to do is just wait for the dispute to be resolved with EQ before applying...The pre-approval expires on the 30th and the dispute is estimated to be resolved by the 26th so hopefully it does not take the full 45days, otherwise I'm out of luck.

Re: What CR does Discover pull?

Walt_K — Fri, 09 Sep 2011 00:42:41 GMT

Try [deleted]. There's a tab across the top that says Credit Pulls. You can input the creditor, and the state you are looking for and see what people have reported. You can play around with the searches. For example, you could also leave the creditor blank, put in EX, and put in a state, and it will give you all creditors that people have identified as pulling EX for that state.

[a similar post of mine was edited for violating terms of service by posting a credit repair site. I was not aware that the refernced site was a credit repair site, but I have edited this post to not run afoul of the rules of this forum]

Re: What CR does Discover pull?

Anonymous — Thu, 08 Sep 2011 20:12:15 GMT

Its usually TU

Re: What CR does Discover pull?

MarineVietVet — Fri, 09 Sep 2011 00:51:25 GMT

@Walt_K wrote:
Try [deleted]. There's a tab across the top that says Credit Pulls. You can input the creditor, and the state you are looking for and see what people have reported. You can play around with the searches. For example, you could also leave the creditor blank, put in EX, and put in a state, and it will give you all creditors that people have identified as pulling EX for that state.

[a similar post of mine was edited for violating terms of service by posting a credit repair site. I was not aware that the refernced site was a credit repair site, but I have edited this post to not run afoul of the rules of this forum]

As a clarification to new members who might wonder why some links are not allowed while others are if you'll read the forum's Credit Repair Discussion Guidelines it says:

Additionally, we cannot allow postings that include the promotion of any credit repair organization or the posting of links to web sites that promote any credit repair actions that are not allowed in these Forums.

Tactics talked about on that site definitely promote actions that are not allowed on myFICO. Hence the prohibition on links or references to any of those sites.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: What CR does Discover pull?

Anonymous — Fri, 09 Sep 2011 03:23:43 GMT

I just approved for a Discover here in NY - I cannot imgaine that they pulled TU for me - That score NEVER looks good! I think they pulled Equifax

Re: What CR does Discover pull?

mxp114 — Fri, 09 Sep 2011 04:06:20 GMT

They pulled Equifax for my initial app, then all CLI's are TU.

Re: What CR does Discover pull?

Anonymous — Fri, 09 Sep 2011 04:24:20 GMT

They pulled EX for me in Arizona.

Re: What CR does Discover pull?

thom02099 — Sun, 11 Sep 2011 01:07:14 GMT

Pulled EX for me as well, in Colorado. Was actually expecting TU, but got approved for $3600 instantly anyway.

Re: What CR does Discover pull?

missji — Sun, 11 Sep 2011 01:15:54 GMT

They just pulled Equifax for me last month in Michigan.

Re: What CR does Discover pull?

Anonymous — Sun, 11 Sep 2011 04:47:41 GMT

EQ for me also, just a couple days ago in TX

Re: What CR does Discover pull?

Anonymous — Sun, 11 Sep 2011 06:27:23 GMT

NEW YORK- pulled EQ on 9/4/11.