Disco Scorecard / Pre-qual are EX
Disco cardholders get TU and CLI's based on TU
Dsico opening can be any of the 3 CRA's though.
They pulled EX on me but, others have reported the other 2 as well. Sometimes even a double pull of 2 CRA's and on the flip side just a SP through the pre-qual page.
pulled experian on me in texas about 2 months ago.
Remember that even if you only receive 1 HP from an app, it's quite common for the lender to SP the other bureau(s) at the same time. It's a best practice to simply assume that they can see all 3 of your credit reports.
I personally would wait on applying until your profile is in a slightly better place so that you don't have to chance denial or an approval on unfavorable terms.
That 587 is low for an unsecured discover (might offer you a secured card in that area though) and that 640 is very likely not a large approval if at all (for a unsecured product)... Sit it out a bit more in the garden..... even if discover only hps you on one CRA, they do SP other bureaus frequently.... And you really don't want a bucketed Discover....
Actually you can do another 1$ trial of CCT but id wait a bit.... =)
There are some folks on here who do seem to take advantage of this....constantly .... but you must remember to cancel....
Yes, you can sign up for another trial right after the last one...