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Who pulls what??

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Runky00
Member

Who pulls what??

I am looking to apply for either the DiscoverIT or Amex BCE but I was curious to find out what CR will be pulled. Is there a way to find out? I am located in  AL.

 

Thanks!

Message 1 of 10
9 REPLIES 9
Gunnar419
Valued Contributor

Re: Who pulls what??

Amex nearly always pulls EX first, but they may pull a second bureau if you're marginal.

 

Discover has always pulled TU in my experience, but I don't think they're quite as predictable as Amex.

 

Check the credit pulls database (google it) for a broader look at who pulls what.

Message 2 of 10
MT936
Established Contributor

Re: Who pulls what??

Amex should be EX discover is kind of random 

Amex Blue Cash Everyday: $25,000 | Navy FCU Cash Rewards: $25,000 | Discover It: $20,500
Chase Freedom: $12,500 | Citi Double Cash: $10,000 | Bank of America Cash Rewards: $8,000

Message 3 of 10
Runky00
Member

Re: Who pulls what??

Thanks for the info!

Message 4 of 10
aav
Established Contributor

Re: Who pulls what??

Amex- ex, discover - tu 

EQ - 834 TU - 823 EX - 822
Amex NPSL Amex BCP - 25,000, Amex EDC - 12000, Diner's Club Premier -35,000, Ritz Carlton - 22,500 Discover 25,100, Chase Reserve -31,000 Total Rewards 13200, Barclay 10000 Citi Diamond P 8,900
Message 5 of 10
Anonymous
Not applicable

Re: Who pulls what??

PM sent.

Message 6 of 10
uswala
Senior Contributor

Re: Who pulls what??

For me and my wife Amex pulled all 3. 

Discover pulled EX for me and all 3 for my DW. 

We are located in TX

 

Message 7 of 10
Anonymous
Not applicable

Re: Who pulls what??

 

 

It looks like Discover likes to pull Equifax (sometimes Experian) for the Discover It there in 'Bama. They generally pull Transunion for a credit limit increase. 

 

AMEX likes to pull Experian. 

 

Edited to cut link that isn't allowed.

Message 8 of 10
TRC_WA
Senior Contributor

Re: Who pulls what??

I'm in WA.

 

just got the 2 cards this week... Amex pulled EX.

 

Discover pulled EQ.

 

Worked for me.... My highest scores.

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 9 of 10
Anonymous
Not applicable

Re: Who pulls what??

Discover pulled EQ for me

 

AMEX Green did a triple pull for me lol.  I think it was because I had a charge-off with them several years ago.  I also had to fax them my income verifcation.

Message 10 of 10
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