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Who does Discover and Chase Pull from?

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ddemari
Super Contributor

Re: Who does Discover and Chase Pull from?

Very interesting! I apply for discover every 4 months hoping for a tu pull. They love EQ here.
Also i have lots of chase cards and they never use EQ. Always EX/TU combo except for regular chase sapphire just a TU pull
Message 11 of 32
Anonymous
Not applicable

Re: Who does Discover and Chase Pull from?

Discover just pulled EQ for me on Wednesday.  I know Chase was a double pull in March.  I want to say EX and EQ, but I'll have to double-check. Just checked - the Chase double pull was EX and TU.

 

Message 12 of 32
Anonymous
Not applicable

Re: Who does Discover and Chase Pull from?

I applied for Chase Slate and they pulled Transunion and Experian.  I got 7 to 10 day line and then got an email 30 day does that mean I am most likely denied. I applied for Discover It they pulled experian approved instantly $3500 and Amex Blue Everday Card and got approved instantly for $3200. Why is the Chase not instant approval or denial I am gonna go crazy waiting 30days. 

Message 13 of 32
SunriseEarth
Moderator Emeritus

Re: Who does Discover and Chase Pull from?


@CreditPacMan wrote:

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


I'm in California.  Discover pulled EQ for me last August.   Chase pulled EX for me.  



Start: 619 (TU08, 9/2013) | Current: 804 (TU08, 10/07/25)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Disney Premier VS $52000 | Discover IT $46000 | NFCU cashRewards Plus WMC $33000 |Venmo VS $30000 | Cash+ VS $30000 | Macy's AMEX $25000 | Ralphs Rewards WEMC $25000 | Synchrony Premier $24,200 | Citi Custom Cash MC $22600 | GS Apple Card WEMC $22000 | WF Attune WEMC $22000 | Freedom Flex WEMC $18000 | Amazon VS $15000 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Rakuten AMEX $12500 | Sephora VS $11900 | Belk MC $10000 | Wayfair MC $9500 |~~
Message 14 of 32
Anonymous
Not applicable

Re: Who does Discover and Chase Pull from?

When I applied for the Discover It, they pulled Equifax+Experian. I'm in Louisiana. The acceptance letter stated an Equifax FICO of 796. I had good history, but few accounts at the time besides student loans.

Message 15 of 32
Anonymous
Not applicable

Re: Who does Discover and Chase Pull from?

Chase pulled EX for my three applications. Discover pulled TU.

Message 16 of 32
Kirmie2010
Established Contributor

Re: Who does Discover and Chase Pull from?

Kept erroring on me, I somehow double posted.

Message 17 of 32
Kirmie2010
Established Contributor

Re: Who does Discover and Chase Pull from?

Chase, mostly Equifax with a little Experian mixed in.  I have no pulls from TU. (7 on EQ, 3 on EX)

Discover has only ever pulled Equifax with me. (6 times eq)

 

From chase, 3 of the eq were a double pull with the EX file, the other 4 EQs are single pulls.

Message 18 of 32
SouthJamaica
Mega Contributor

Re: Who does Discover and Chase Pull from?

My experience has been Discover pulling Equifax and Chase pulling Experian.


Total revolving limits 568220 (504020 reporting) FICO 8: EQ 689 TU 691 EX 682




Message 19 of 32
Anonymous
Not applicable

Re: Who does Discover and Chase Pull from?

I wonder if discover pulls TU in georgia lol
Message 20 of 32
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