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
cvel86
 
Posts: 1
Joined: Tue Jun 19, 2012 5:05 pm
Location: USA

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

Postby cvel86 » Tue Jun 19, 2012 5:10 pm

I was curious because I received and offer and wanted to see if anyone knew if Discover pulls on all 3 bureaus or if there is a preferred one that they use?

Also, does anyone know the approximate amount of inquiries they will reject you based on?


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

Postby MemberSince99 » Wed Jun 20, 2012 6:44 am

cvel86 wrote:I was curious because I received and offer and wanted to see if anyone knew if Discover pulls on all 3 bureaus or if there is a preferred one that they use?

Also, does anyone know the approximate amount of inquiries they will reject you based on?


I applied with them and got a More Card in April. They used Equifax (I live in WI) and had one inquiry at the time. I applied a couple of days ago for the Escape card and as I expected they also pulled Equifax. It was approved as well with the only inquiry being theirs for the More Card.

If you have good scores they only pull one, which for me was Equifax, they may pull more if you have marginal scores. I don't know how many will cause them to reject you to be honest I would guess it varies based on your history and scores as a rule a lot probably isn't a good thing.

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

Postby irvine801 » Wed Jun 20, 2012 2:59 pm

I work at discover. I think... we pull from EQ for new applications and I know we pull from TU for CLI requests.
-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

FutureBillionaire
Centurion Member
Centurion Member
 
Posts: 1589
Joined: Sun Jun 19, 2011 2:37 pm
Location: Down South

Postby FutureBillionaire » Wed Jun 20, 2012 7:23 pm

That's what happened with me.

How do you like working for Discover?
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

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

Postby irvine801 » Thu Jun 21, 2012 12:21 am

It's fun. I've learned a lot about credit in general working there!
-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

User avatar
Snowman
Centurion Member
Centurion Member
 
Posts: 630
Joined: Thu May 10, 2012 10:10 pm
Location: North Los Angeles County

Postby Snowman » Thu Jun 21, 2012 12:59 am

Irvine, does discover currently hire, and if so what are the requirements? I'd want to work with opening accounts and such if given the opportunity and learn more about finance and credit and such. (I have a friend who works at an AMEX call center and he loves it...but he lives in the east coast because that was where the job opening was.)
Bank Of America: BankAmeriCard Cash Rewards-4.2k
Citi: Forward-4.5k American Airlines Advantage Platinum Select World Elite MasterCard 9/6/15-4K
Discover: More-7k
Amex BCE.2k- Amex SPG-5k
Chase: Freedom-5kSouthwest Rapid Rewards Plus- 3.6k
Capital one: Venture one-10,000, Visa Signature.

BCF
Green Member
Green Member
 
Posts: 21
Joined: Wed Apr 04, 2012 12:35 am
Location: Florida

Postby BCF » Fri Jun 22, 2012 9:38 am

MemberSince99 wrote:I applied with them and got a More Card in April. They used Equifax (I live in WI) and had one inquiry at the time. I applied a couple of days ago for the Escape card and as I expected they also pulled Equifax. It was approved as well with the only inquiry being theirs for the More Card.


I may apply for Escape in a few month but am worry about their CLs. In your signature the CL on your discover card is lower than your other cards, also you have excellent credit scores. Do you know why they gave you this CL? May I ask about your income?
AMEX Blue Cash Preferred 5k
BofA Cash Rewards Visa 5k
BofA World Points MasterCard 4.4k
Kohls Store Card 300

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

Postby irvine801 » Fri Jun 22, 2012 10:26 am

Snowman wrote:Irvine, does discover currently hire, and if so what are the requirements? I'd want to work with opening accounts and such if given the opportunity and learn more about finance and credit and such. (I have a friend who works at an AMEX call center and he loves it...but he lives in the east coast because that was where the job opening was.)


Yeah they are! It's a good place to be. Have him apply!
-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

mlint007
Green Member
Green Member
 
Posts: 10
Joined: Sun Apr 08, 2012 7:20 pm
Location: USA/Midwest

Postby mlint007 » Fri Jun 22, 2012 7:11 pm

Mine was pulled from transunion.

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

Postby MemberSince99 » Sat Jun 23, 2012 7:00 pm

BCF wrote:I may apply for Escape in a few month but am worry about their CLs. In your signature the CL on your discover card is lower than your other cards, also you have excellent credit scores. Do you know why they gave you this CL? May I ask about your income?


I would assume it's because they tend to be conservative in the CLs they give. Income is 75k. If you show good use, I've heard they are good about giving you CLIs, but I can't speak personally yet about this.



Return to “Discover, Diners Club”

Who is online

Users browsing this forum: No registered users and 0 guests