What CRA does Discover use when appling? - myFICO® Forums - 2951200

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what reporting agency does Discover use when we app them? Is multiple?

In my wallet: AMEX BCE $18k | AMEX ED $19.5k | AMEX EDP $10k | AMEX BCEP $10k | HEFCU $10k | Discover it $8.8k | Capital One QS $9k | Chase Freedom $4.5k | Walmart $3,200 | JCrew $2,350 | Chase Slate (AU) $22k.
Now in the garden...
Current FICO Scores: 783 (EX) | 766 (EQ) | 764 (TU)

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15 REPLIES 15

@Hcontreras wrote:
what reporting agency does Discover use when we app them? Is multiple?

I thought EX

but our CLI was TU

Message 2 of 16

They pulled EQ for me

Current cards: MSUFCU Platinum, Amex PRG, Amex Surpass, Amex BCE, Citi Prestige, Citi Double Cash, Citi Premier, US Bank Cash +, Huntington Voice, AAviator, Sallie Mae, Discover IT, Chase Freedom TU:753 EQ Enhanced: 758

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EQ for me

Message 4 of 16

EQ for app, TU for CLI

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They pulled EQ on me and TU on both of my boys. I would have a Discover if they would have pulled TU, buts that's anotes EQ story. (Since been frozen because it is WRONG). Anyway I digress

Message 6 of 16

Ex an TU for me

Jaguar F-Type R Loan 50K Balance
Goldman Sachs Signature Loan $29,000 TU 750 score pulled at time of loan.
Student Loan Debt $1,500
Credit Card Debt $300 1>% of $166,700
FAKO Transunion 723 Equifax 744
What's in my wallet? Chase Sapphire Reserve, Chase Freedom Unlimited, and AMEX Blue for Business

Message 7 of 16

EQ for me too.

#1 Barclays Sallie Mae $3,300

#2 Barclays Sallie Mae AU $2,250

Amex BCP AU $6,500

Amex BCE $15,000

Huntington Voice World MC $2,500

Chase Freedom Signature $5,000

Cap1 QS World Elite $5,000

Discover IT $3,900

TU713, EQ 731 , EX 726 (As of 12/13/14) - Personal Goal = 760

“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin

Gardening since 3-26-15

Message 8 of 16

TU for me. Course my scores and credit is bad, I just wanted the opportunity for the secured, which I was offered.

My DW, app'd same time, and they pulled EQ for her.

Message 9 of 16

I think it's pretty apparent that they can pull any of the three at random. They have pulled EX and TU for me in the past.

FICO Scores 800+

Message 10 of 16