Discover Pre Qualify website

[Anonymous]

I tried Discover pre approval website and it came back with Discover-It Cash back and Discover-It Crome, with it coming back with these two cards what are my approval odds when a hard pull is done? My Equifax score is 615 Equifax credit montering, 634 Discovery website,598 Trans-union Equifax website, 643 Experian(on Experian website). On Equifax i have one closed account Portfolio recovery and 3 Medical Collections for $12, $67, and $34. I saw on myfico community that Discover pulls Equifax is the correct?

Thanks for your help

[Hex]

Who they pull might depend on where you live. I live in MA for my first app they actually pulled both. They pulled Experian only for my second card. If your prequal shows a single APR vs. a range of APR’s that’s a good sign and more likely to be a final approval.

[Anonymous]

Approved with similar scores after pre-approval in June, but without any baddies and super high utilization. They pulled only equifax for me in CA. From what I have read, Discover pre-approval site is pretty reliable, as was the case for me. Granted, I got a $500 SL but it was better than nothing. 

Keep us updated if you decide to pull the trigger.

[Anonymous]

Here is what there website shows for me.

Discover it® Cash Back

We've saved the info you entered.

card benefits

• We'll automatically match all the cash back you've earned at the end of your first year. There's no signing up. And no limit to how much we'll match.*navigates to cashback match terms in footnote at the bottom of the page
• Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more, up to the quarterly maximum, each time you activate. *navigates to use-rewards terms in footnote at the bottom of the page 5% Cashback CalendarOpens modal dialog
• Plus, earn unlimited 1% cash back on all other purchases — automatically.

Show More Benefits

No late fee on your first late payment.*navigates to no annual fee terms in footer

FICO® Credit Score for free.*navigates to fico credit score terms in footer

Freeze it® on/off switch to prevent new purchases* navigates to freeze it terms in footer

100% U.S.-based customer service.

• No annual fee
• 25.24% Standard Variable Purchase APR will apply

†See rates, rewards and other infoOpens modal dialog

Discover it® Chrome Card

We've saved the info you entered.

card benefits

• We'll automatically match all the cash back you've earned at the end of your first year. There's no signing up. And no limit to how much we'll match.*navigates to cashback match terms in footnote at the bottom of the page
• Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter.*navigates to 2percentcashback terms in footnote at the bottom of the page
• Plus, earn unlimited 1% cash back on all other purchases — automatically.

Show More Benefits

No late fee on your first late payment.*navigates to no annual fee terms in footer

FICO® Credit Score for free.*navigates to fico credit score terms in footer

Freeze it® on/off switch to prevent new purchases* navigates to freeze it terms in footer

100% U.S.-based customer service.

• No annual fee
• 25.24% Standard Variable Purchase APR will apply

†See rates, rewards and other infoOpens modal dialog

[Anonymous]

Pretty sure that is what mine looked like and was approved but in the student editions of these cards. I obviously can not guarantee anything but prior to my pre-approval, I was receieving something along the lines of "we are unable to match you with any offers"

[Remedios]

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@Anonymous wrote:

I tried Discover pre approval website and it came back with Discover-It Cash back and Discover-It Crome, with it coming back with these two cards what are my approval odds when a hard pull is done? My Equifax score is 615 Equifax credit montering, 634 Discovery website,598 Trans-union Equifax website, 643 Experian(on Experian website). On Equifax i have one closed account Portfolio recovery and 3 Medical Collections for $12, $67, and $34. I saw on myfico community that Discover pulls Equifax is the correct?

Thanks for your help

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Who they pull will depend on where you live. For me it was EQ, with SP on EX 

In most instances, it's either EQ or EX. Very few reports of TU being pulled. I think I've only seen one. 

With that said, their preapprovals are pretty solid, so you have a decent chance. 

If those small medical collections remain unpaid, I'd pay them off first, wait a month, then apply. Your terms may slightly improve. 

If they are paid, and this card would be beneficial to you, go for it. 

[BrownSugah66]

I received a pre-qual approval for the same Discover It cards last week. I went for the Cash Back card and was approved. I live in Texas and EX and EQ were pulled.