Discover Pulled Experian

shane82388 · ‎12-06-2013

Apped for Discover IT and was approved - I think with a good limit too...but they pulled Experian. I got a alert from Credit Sesame this morning.

Is thus pretty unusual? I'm was almost sure it would be TU or EQ...I wish it was as I have only one inquiry between those two but have a few on EX...

Oh well I guess one is falling off EX any time now so it's not the end of the world? :-)

Anyway, just a warning to those thinking about apping. I'm in San Francisco Bay Area if that matters.

coldnmn · ‎12-06-2013

Congrats! Welcome to the Discover family. Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17

rlx01 · ‎12-06-2013

Did you apply direct or from an invitation?

Sometimes that can make a difference in who gets pulled.

shane82388 · ‎12-06-2013

Invitation because it was offering lower APR and longer 0% period.

Learn something new everyday, I guess!

alvon123 · ‎12-06-2013

congrats

Navy Cash Rewards Visa Signature 30,000 @ 11.65%

Comenity Caesars Rewards Visa $20,000 @22.99%

USBANK Kroger Rewards World Elite Mastercard $19,000 @23.99%

rlx01 · ‎12-06-2013

@shane82388 wrote:
Invitation because it was offering lower APR and longer 0% period.

Learn something new everyday, I guess!

It seems like if the invitation is based on a particular CRA, they'll pull that CRA for the approval.

I see Discover SP's on my EX, but not on TU or EQ. I suspect I would get the same result if I applied.

The Chase.com pre-qualifier SP'ed TU, and actually pulled TU in CA on application. Strange stuff.

shane82388 · ‎12-06-2013

Oh wow that's very interesting.

I'm pre approved for chase slate card too and had considered accepting one of those offers and transferring balances to it for the 0% promo period and then combining that limit in to my current chase freedom in lieu of asking for a CLI...

myjourney · ‎12-06-2013

@shane82388 wrote:
Apped for Discover IT and was approved - I think with a good limit too...but they pulled Experian. I got a alert from Credit Sesame this morning.

Is thus pretty unusual? I'm was almost sure it would be TU or EQ...I wish it was as I have only one inquiry between those two but have a few on EX...

Oh well I guess one is falling off EX any time now so it's not the end of the world? :-)

Anyway, just a warning to those thinking about apping. I'm in San Francisco Bay Area if that matters.

Congarts

Wow EX pull

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?

9CLINE · ‎12-06-2013

Congrats.. Welcome to the Discover family....

Anonymous · ‎12-06-2013

@shane82388 wrote:
Apped for Discover IT and was approved - I think with a good limit too...but they pulled Experian. I got a alert from Credit Sesame this morning.

Is thus pretty unusual? I'm was almost sure it would be TU or EQ...I wish it was as I have only one inquiry between those two but have a few on EX...

Oh well I guess one is falling off EX any time now so it's not the end of the world? :-)

Anyway, just a warning to those thinking about apping. I'm in San Francisco Bay Area if that matters.

I am on the opposite coast and just got my card recently in a nice package. They pulled EX on me also. I didn't applied online was told I needed a cosigner and I did a recon to get approved and I just double checked it was EX.