Experian Credit Card “matches”

[Anonymous]

Does anyone know how solid those matches are? I'm assuming they're just paid advertisements but figured I'd pose the question.

Got matched with a Discover IT Cashback but won't be able to check prequalifier until tomorrow.

EX FICO 8 Credit Card score is 670 and I know Disco exclusively pulls EX.

[dragontears]

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@Anonymous wrote:

Does anyone know how solid those matches are? I'm assuming they're just paid advertisements but figured I'd pose the question.

Got matched with a Discover IT Cashback but won't be able to check prequalifier until tomorrow.

EX FICO 8 Credit Card score is 670 and I know Disco exclusively pulls EX.

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Just so you know, Discover has pulled EQ for both of my cards (first one was a double pull of EQ and EX), so they are not an EX exclusive puller

[K-in-Boston]

Discover also uses EQ quite a lot and TU sometimes; double pulls are not uncommon either, usually EX and EQ.

Experian's matches are marketing.

[M_Smart007]

"Experian's matches are marketing."

+1

[M_Smart007]

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@Anonymous wrote:

Does anyone know how solid those matches are? I'm assuming they're just paid advertisements but figured I'd pose the question.

Got matched with a Discover IT Cashback but won't be able to check prequalifier until tomorrow.

EX FICO 8 Credit Card score is 670 and I know Disco exclusively pulls EX.

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@Anonymous,

This may give a little insight on Discover on how they pull ...

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Apps-quot-list/td-p/5542910

[importxpresions]

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@M_Smart007 wrote:

"Experian's matches are marketing."

+1

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+2

[recoveringfrombk7]

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@K-in-Boston wrote:

Discover also uses EQ quite a lot and TU sometimes; double pulls are not uncommon either, usually EX and EQ.

Experian's matches are marketing.

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There's matches and also pre-approved offerings, which my understanding is simply better odds and not a done deal.  So far I've only seen these for Credit One and I've already been there/done that/moved on during my rebuild.

[joltdude]

You know experian still reports unable to match in your state.....

Wonder how K is getting matches... if they are getting them from experian...

-J

[soxfaininfl]

When you use Discover's prequalification tool, it's always EQ. When I actually I applied in December of 2019 for Discover's secured card (burned Discover in a BK7), they used EX. 

[nyyankees877]

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@Anonymous wrote:

Does anyone know how solid those matches are? I'm assuming they're just paid advertisements but figured I'd pose the question.

Got matched with a Discover IT Cashback but won't be able to check prequalifier until tomorrow.

EX FICO 8 Credit Card score is 670 and I know Disco exclusively pulls EX.

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In July of 2018 I applied for a Citi DoubleCash card that was "matched" with me. I had no negs but high utilization and was denied the card. So not sure how good their matches are. Esepcially because each creditor looks at utilization differently.