cancel
Showing results for 
Search instead for 
Did you mean: 

Does Discover typically pull Equifax?

tag
Anonymous
Not applicable

Does Discover typically pull Equifax?

Last time I applied for a Discover card in September, they pulled Equifax. Equifax is my lowest score by over 70 points and therefore I did not qualify. I have 7 open disputes on Equifax. I am in the garden but have said since the beginning if I got approved for Discover it would be worth coming out. I was wondering if they usually pull Equifax? I know that I can pull up the website for my state but it seemed to be a mix. What do you guys think maybe 70% Equifax? I know it's hard to say for sure, just curious. My husband called them the other day because he was thinking about applying. When he got on the phone the customer service reps seemed so incredibly nice. I was thinking maybe I could call them and tell them I'm having a problem with Equifax and have several disputes but I'm interested in applying. Maybe worth a shot? If she says no they have to pull Equifax then I'll leave it alone.
Message 1 of 32
31 REPLIES 31
thummel
Established Contributor

Re: Does Discover typically pull Equifax?

Seems Like they normally pull EQ. Im in denver and thats what they pulled for me. From other approvals seems like they pull EQ aswell. You Never Know for sure though. Sometimes iv seen them pull TU. 

Message 2 of 32
Anonymous
Not applicable

Re: Does Discover typically pull Equifax?

Yea usually they pull equifax and same that is my worst score , they approve me with 622. the funny is they offer free TU score and for cli pull TU too. 

Message 3 of 32
taxi818
Super Contributor

Re: Does Discover typically pull Equifax?

Not 70% chance but over 90% chance they will pull equifax for approvals. and true if they pull you for a cli it will be Tu. in most cases they don't pull anything for a cli. they simply use the soft pull on file that is used to give you your tu fico score. If you really want to know simply go to the creditpulls data base. Type in your state and you will see what they pull in your area. If you have 7 open disputes i would not app anything with them until that stuff is resolved.

Message 4 of 32
NyaBuksh
Regular Contributor

Re: Does Discover typically pull Equifax?

Yes, they pulled Equifax for my application



Message 5 of 32
Anonymous
Not applicable

Re: Does Discover typically pull Equifax?

They pulled Equifax and Experian for me.
Message 6 of 32
CreditCuriosity
Moderator Emeritus

Re: Does Discover typically pull Equifax?

90-95% of the time they pull equifax

Message 7 of 32
Anonymous
Not applicable

Re: Does Discover typically pull Equifax?

I am in Ca and they pulled EQ for approval and TU for CLI's.

Message 8 of 32
myjourney
Super Contributor

Re: Does Discover typically pull Equifax?

EQ for me as well 

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?
Message 9 of 32
Rebuilding69
Established Contributor

Re: Does Discover typically pull Equifax?

They tried to pull EQ for me in Wash State, but since my freeze on EQ had gone thru they weren't able to. They had me call them & I talked to the lady on the phone & she said she could pull another bureau instead & asked me which one I wanted her to pull. I asked for her to pull EX so she did, but I was still denied. Still waiting on the reason why. My scores might be a little low perhaps or too many inquiries or some such.

 

I was rather surprised I was asked which bureau I'd like them to pull. Smiley Surprised



Message 10 of 32
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.