Discover is harder to get than most Amex cards, which surprises many people. Generally you need a 700+ for the Discover More
and I'm guessing a few points lower may get you the Motiva card
. As far as which bureau they usually pull from, I have heard it varies by state.
I am really late to the party, but I just got approved for a Discover More Card. My Score is less than desirable, and I had applied before. I managed to take a denial letter and make it an approved one; simply by calling and explaining that I wanted a card, because of the wonderful things I have heard. I also explained that the benefits of being a Discover Card member was something I sought, for quite sometime.
They approved me with a CL of 2500. I am in Texas, I do not know what score they pulled but regardless all three are rather bad.
Now, I believe this to be key, they asked what I was using the Card for? Strange huh? I said, I know I have the options of transfers and great rewards on things like gas, groceries... you get the drift. Act like you don't need it, but want it as a trophy in you wallet. Make them think its the biggest trophy you know of.
Side bar, it used to be worse before I found this site, and learned better ways to manage my credit.