Data-point regarding new DiscoverIT

[Anonymous]

I got a new DiscoverIT card nearly a month ago, but I don't see any HP generated. I do see the card reporting on a EQ report, just no inquiry generated.

I do get a FICO 8 score free from Discover site, and I am a joint holder of an old Discover card, so they should "know" my credit report, but still, it's odd I don't' see any HP.

I didn't think it was possible to get a new credit card without a hard pull, has this happened to other posters?

[StartingOver10]

No, I just got a Discover IT too and the hard inq shows up in EQ as of 9/25/16. I am on the east coast. I don't know if that makes a difference. I don't have any other account with Discover either. 

[Anonymous]

OP see if that changes and shows up suddenly when it starts reporting. Discover in the two instances I've dealt with them are slow reporters. My inq didn't show up until my card reported, at least looking through FIco but low and behold the Inq showed up as a alert through Credit Sesame, which I found odd.

[Anonymous]

Today CK updated my EQ report,  the Discover IT HP showed up today.

Inquiry Sep 12, 2016, but it is interesting that the EQ report has been updated 3-4 seperate times since Sep 12 yet the inquiry that was done on Sep 12 doesn't show up on the report from CK till today.

The fact that data doesn't update in ways that are easy to decipher makes understanding why scores move very difficult.

BTW, my EQ Vantage score didn't change because of the HP, but EQ only shows 2 HP while TU shows 9 (4 are from one auto loan).

Just reporting what happened. 

[Anonymous]

Vantage takes factors in a bit different than Fico scoring. It's a bit weird but for me my Vantage scores are super high but Fico scores are hovering right at 685 to 701 across all 3.

If you are pulling your scores from Fico, check your alert settings, EQ is the one I think you control what type of alerts you get. It may be why you didn't see the pull immediately. BTW usually your scores doesn't change per se from the pull itself, it may change when the new account reports though on the Vantage, it looks at new credit a bit differently.

[Anonymous]

Oh I'm a bit obsessive too, I have CK TU and EQ (vantage and new account score, you can see this for TU if you click your TU score then hit the view archive link) my regular Discover score EX, then the free Discover score TU (two different bureaus for some reason), Walmart TU, WisePiggy Vantage TU, credit.com, Amex EX, and the Cap One Vantage TU. Some our duplicates of overs, but refresh at different times of the month and some more often but overall all of them give alerts and some faster than others. That way I'm full circle on seeing a real time snapshot.

[Anonymous]

stRealT

I use free scores from cards, credit karma for reports and free discover score report and score (not connected to a card).

My Vantage scores are usually a little better than FICO 8 scores, like 8-15 points, EQ/EX is usually better by 10 points Vs TU on all models. TU shows the most HPs, Experian gives me the longest AAoA.

All CRA are accurate about open accounts, but differ a lot on closed accounts, HPs and a bit on previous addresses.

So for scores I use:

Barclay TU Fico 8

KC, TU Vantage 3

KC EQ Vantage 3

Walmart TU Fico 8

US Bank TU Vantage 3

Discover IT card EQ Fico 8

Discover Free EX Fico 8

I also pull the annual free report, but not every year.

The problem with looking at your score without being able to read the credit report that generated the score, it's hard to know what caused changes. Summaries of CR are OK, but only as good as how they summarize data, I think many summaries are misleading or lack enough detail to figure out what went on.  Even getting alerts doesn't mean your score changed because of the alert.

I get a few alerts, but not many, I tend to look at the actual data every day, at least right now, in the future I will likely lose interest, I can get whatever card I think I need, I am not shopping for a home and just bought a car with 2.05% interest from US Bank. My score tends to stay above 760 and I feel I have so many cards already it is right on the edge of being hard to manage and hard to figure where to spend to maximize rewards.

My scores stay above 760 as long as my UTIL stays below 11%, the lower my UTIL the higher my score. I am at about 6% UTI L now which gives me a 786 TU Fico 8 score and I don't see any reason I will go above 8%, by next year I should drop below 5% UTIL, then my score should be about 800.

Buying MyFico product would give me an easy way to look at a lot of scores, but it only updates reports once every 3 months and I don't have a need for it outside of curiosity. I mostly would be curious to see how the different models such as mortgage scored me differently.

[nolamike]

Dragon,

For whatever it is worth I applied for the Discover IT Chrome Student 12/22/2016 from Louisiana and it SP'd EXP but HP'd TU. was denied becuase of a collection I am having Collection Shield 360 dipute