Which credit bureau(s) does Discover pull for their decisions?

All about Discover & Diners Club - talk about their credit card deals such as the More, Miles, Escape, and others.
17 posts
randeman
Centurion Member
Centurion Member
 
Posts: 188
Joined: Tue Jan 10, 2012 7:11 pm
Location: New York, NY

Postby randeman » Tue Jul 03, 2012 12:45 pm

When I applied, they pulled Equifax. Three months after I got the card, I was given a 20% limit increase. Nothing to get excited about, but it was nice to receive it out of the blue after having the card for such a short period of time.
Cards and Credit lines Acquired:

Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).


benacostian
Green Member
Green Member
 
Posts: 3
Joined: Mon Jul 02, 2012 10:16 pm
Location: Miami, FL

Postby benacostian » Mon Jul 09, 2012 12:44 am

They pulled TransUnion for me

hematino
Centurion Member
Centurion Member
 
Posts: 339
Joined: Fri May 11, 2012 4:08 pm
Location: Atlantic City, NJ

Postby hematino » Tue Jul 10, 2012 2:24 am

They pulled Equifax when I opened my Discover More card in July 2011. Love the card by the way.
Now she's eyeless.
The snakes she held once
Eat up her hands.

irvine801
Centurion Member
Centurion Member
 
Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Tue Jul 10, 2012 11:08 am

hematino wrote:They pulled Equifax when I opened my Discover More card in July 2011. Love the card by the way.


Nice! So I was right.EQ for a new app, and TU for a LIR. I wonder why we don't work with EX...
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Tue Jul 10, 2012 11:18 am

irvine801 wrote:Nice! So I was right.EQ for a new app, and TU for a LIR. I wonder why we don't work with EX...


It is interesting especially since you offer the credit score/tracking via EX.

irvine801
Centurion Member
Centurion Member
 
Posts: 329
Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Tue Jul 10, 2012 11:37 pm

Yeah my credit score tracker is mainly through EX. Hmmm... I'll have to look into this.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

MemberSince99
Centurion Member
Centurion Member
 
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Wed Jul 11, 2012 6:43 am

irvine please let us know what you learn.

Reading on other forums, it seems if you have low scores and are marginal they may pull EQ AND TU. They may also pull another bureau during recon. As always YMMV but just things to be aware of. Barclays pulled another bureau for me early this year on recon so I got to take 2 hits for a 2500 CL looking back that was NOT one of my smarter moves.....



Return to “Discover, Diners Club”

Who is online

Users browsing this forum: No registered users and 2 guests