Discover Pull

[SoCalifornia]

Okay, so I've got the pre-approval and I'm waiting for closing dates and reporting. I'm planning to pull my reports before pulling the trigger, just to get a rundown before I do. Decided on the It Cash Back card. So, before exiting the garden...

From your personal experiences;
•Which bureau did Discover pull from for you?
•Did you cold app or were you pre-approved?
•What was your score at the time?
•What SL were you approved for?
•Any other useful info?

[ZackAttack]

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@SoCalifornia wrote:
Okay, so I've got the pre-approval and I'm waiting for closing dates and reporting. I'm planning to pull my reports before pulling the trigger, just to get a rundown before I do. Decided on the It Cash Back card. So, before exiting the garden...

From your personal experiences;
•Which bureau did Discover pull from for you?
•Did you cold app or were you pre-approved?
•What was your score at the time?
•What SL were you approved for?
•Any other useful info?

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Hi,

When I join Discover on Jan 2019 ... I was noising around the pre-qual form. I happen to notice for me that the pre-qual form did Equfax. I've seen reports that if you don't use the pre-qual form, it would turn to be Experian. Since I was new with Discover and gotten their Student version of Cash Back (5%), I did submit an app thru the pre-qual and they only pulled Equifax. I called the next day and Discover told me that I was approved, but didn't know for the credit line until the email came in my mail box (which said $500).

For me, I can see $500 for only having 1 Car Loan and 1 AU Credit Card and no relationship with Discover.

Hope this helps.

[Peazmom]

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@SoCalifornia wrote:
Okay, so I've got the pre-approval and I'm waiting for closing dates and reporting. I'm planning to pull my reports before pulling the trigger, just to get a rundown before I do. Decided on the It Cash Back card. So, before exiting the garden...

From your personal experiences;
•Which bureau did Discover pull from for you? They blessed me with a double pull....Experian and Equifax
•Did you cold app or were you pre-approved? Prequalified from their site.
•What was your score at the time? FICO 8 :  EQ 653  TU 661  EX 665
•What SL were you approved for?   12,000
•Any other useful info?  Had also applied and been approved 5 minutes earlier for NFCU Platinum

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[Anonymous]

I had a recent approval with Discover last week after a denied Chase Freedom card due to short history and a recent paid charge off. Hopefully, it can give you some tips. I think getting a fixed APR is a good sign on your prequal. 

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/DISCO-FRIDAY/m-p/5582159#M595688

I hope Discover grants you all your hopes and dreams!

[Anonymous]

From your personal experiences;
•Which bureau did Discover pull from for you? Equifax — I had been using Discover scorecard so they already had Experian. 
•Did you cold app or were you pre-approved? Prequalified
•What was your score at the time? 670
•What SL were you approved for? $7500
•Any other useful info? I wouldn’t apply for Disco without a prequal, they’re generally pretty solid. Make sure you are prequalified when you actually app and you should be good. 

[Anonymous]

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@SoCalifornia wrote:
Okay, so I've got the pre-approval and I'm waiting for closing dates and reporting. I'm planning to pull my reports before pulling the trigger, just to get a rundown before I do. Decided on the It Cash Back card. So, before exiting the garden...

From your personal experiences;
•Which bureau did Discover pull from for you?
•Did you cold app or were you pre-approved?
•What was your score at the time?
•What SL were you approved for?
•Any other useful info?

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For Discovers prequal, it always seems to pull TU for me, but a couple of years ago when i actually pulled the trigger, they pulled EQ.  keep us posted   and good luck!!

[pinkandgrey]

They pulled EX for me 

I was prequaled—I got about 115 mailers

Score was probably in the low 700s but extremely thin file

5.5k SL

That was only about 2.5 years ago, so mine has grown well. 

Good luck! Great card and company!

[Remedios]

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@SoCalifornia wrote:
Okay, so I've got the pre-approval and I'm waiting for closing dates and reporting. I'm planning to pull my reports before pulling the trigger, just to get a rundown before I do. Decided on the It Cash Back card. So, before exiting the garden...

From your personal experiences;
•Which bureau did Discover pull from for you?   EX 
•Did you cold app or were you pre-approved?     Pre-approval 
•What was your score at the time?                       Did not even have Fico scores generated at that time, it was my                                                                                      second card 
•What SL were you approved for?                         $1000.00, grew to $14500.00 now in limbo   
•Any other useful info?                                           You're stressing this too much. Everything will be okay. 

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[SoCalifornia]

@Remedios

I know, I KNOW! Why can't I help myself!? Why, oh why must the the Credit gods toy with my emotions so?

[Remedios]

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@SoCalifornia wrote:
@Remedios

I know, I KNOW! Why can't I help myself!? Why, oh why must the the Credit gods toy with my emotions so?

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Because it's new and exciting