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Who does Discover and Chase Pull from?

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Anonymous
Not applicable

Who does Discover and Chase Pull from?

I wanta apply for the Chase Safire and Discover it but am wondering for those who have done a credit app. with them recently from which bureau do they pull? My best score is experian, then equifax, and transunion last. 

Message 1 of 32
31 REPLIES 31
Anonymous
Not applicable

Re: Who does Discover and Chase Pull from?

Chase pulled both Experian and TU for me.  (I applied and was approved in February).  Like you, Experian was my highest and TU my lowest.  

Message 2 of 32
CreditPacMan
Established Contributor

Re: Who does Discover and Chase Pull from?

Discover pulls TU exclusively (at least on the west coast). Chase you never know .. but mostly both EQ and TU.

Current Cards:
Message 3 of 32
CreditCuriosity
Moderator Emeritus

Re: Who does Discover and Chase Pull from?

Discover is usually known for EQ but will pull TU for some... Chase is all over the board with usually two pulls of recently.. What two can be anyones guess.. Pre-Qual it will usaually be TU or TU and another one.. 

Message 4 of 32
CreditPacMan
Established Contributor

Re: Who does Discover and Chase Pull from?

I've never had Discover pull EQ for me .. all throughout the years it's always beenTU. Where are you located?


@CreditCuriousity wrote:

Discover is usually known for EQ but will pull TU for some... Chase is all over the board with usually two pulls of recently.. What two can be anyones guess.. Pre-Qual it will usaually be TU or TU and another one.. 


 

Current Cards:
Message 5 of 32
CreditCuriosity
Moderator Emeritus

Re: Who does Discover and Chase Pull from?


@CreditPacMan wrote:

I've never had Discover pull EQ for me .. all throughout the years it's always beenTU. Where are you located?


@CreditCuriousity wrote:

Discover is usually known for EQ but will pull TU for some... Chase is all over the board with usually two pulls of recently.. What two can be anyones guess.. Pre-Qual it will usaually be TU or TU and another one.. 


 


In Nashville, but most commonly it is EQ..  Yes it varies where you live to some extent.. Can check credit pulls db and see what recent pulls have been... probably 80% EQ 20% TU... Just #'s im pulling out of thin air, but probably somewhat close.... TU for HP cli requests, but gotta be crazy to ask for one of those for $500 from them, especially with the SP CLI's they have been giving away every what 3 weeks lately..  Don't have a Discover just keep up with it is all

Message 6 of 32
Creditaddict
Legendary Contributor

Re: Who does Discover and Chase Pull from?

Chase is always EX in my experience and once in a while will pull a TU also but I have not had that happen on my cards.

Discover leans towards EQ in my experience but it can and will pull from any of the 3 (but only 1)

Message 7 of 32
Anonymous
Not applicable

Re: Who does Discover and Chase Pull from?

Discover TU

Chase EX 

 

in my state (FL)

Message 8 of 32
ddemari
Super Contributor

Re: Who does Discover and Chase Pull from?

Chase will pull tu and ex.
Discover in the midwest is 99.9 percent EQ

I would love if they pulled tu since its my highest score. They did pull tu once in 2013 when tu wasnt good but never again did it happen.
I applied again in feb. 2015 and for the first time they double pulled me ex and eq which is a miserable combo for me.
Message 9 of 32
astrangerwcandy
Contributor

Re: Who does Discover and Chase Pull from?

Just FYI for recent anecdotal experience. I applied and was approved for a Chase Sapphire Preferred on Monday and they used Equifax. I know because they told me to update my phone number with Equifax before they finished the approval.

Message 10 of 32
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