Which credit bureau does Discover card pull from?

Q: Does Discover do a hard pull for pre approval?

The Discover pre-approval tool can tell you whether youre pre-qualified for a credit card with no harm to your credit. Since the request for pre-approval only generates a soft inquiry, there is no impact to your credit score.

Discover Financial possesses the third largest brand credit card in the United States with some pretty interesting credit cards and a variety of perks and benefits rewarding their cardholders for their spend. Now, this makes it all the more necessary for us to evaluate Discover’s stance towards which credit bureau is pulled in regards to applying for a new credit card with them. Furthermore, in order to provide the most accurate data possible, the table below will be a representation of data collected from 2014 to present time. Credit pulled may vary in correlation to the state the card is issued to.

Table of Contents Show

Conclusion:
Does Discover do a hard pull for pre approval?
Is Discover Card hard to get?
Which credit bureau is pulled most?

Editor’s Note: The data below is within the confines of cards within Discover’s credit card portfolio, not cards that use Discover’s payment network.

Editor’s Note: Statistics and credibility is solely entitled to CreditBoards. In order to express the utmost clarity and conveyance, the credit bureaus will be abbreviated accordingly:

Trans-Union= TU
Experian= EX
Equifax= EQ
N/A= Not Applicable

Abbrevation	State Name	Credit Bureau Pulled
AL	Alabama	EX, EQ
AK	Alaska	EX, EQ
AZ	Arizona	EX, EQ
AR	Arkansas	TU
CA	California (CA)	EX, EQ, TU,
CO	Colorado	EQ
CT	Connecticut	EX, EQ, TU
DE	Delaware	EQ, TU
FL	Florida	EX, EQ,TU
GA	Georgia	EQ, TU
HI	Hawaii	EX, EQ
ID	Idaho	EX
IL	Illinois	EX, TU
IN	Indiana	EX, EQ
IA	Iowa	EQ,
KS	Kansas	EX, EQ
KY	Kentucky	EQ, TU
LA	Louisiana	EX, EQ
ME	Maine	EQ
MD	Maryland	EX, EQ, TU
MA	Massachusetts	EX, EQ
MI	Michigan	EX:, EQ, TU
MN	Minnesota	EX, EQ
MS	Mississippi	EX, EQ, TU
MO	Missouri	EX, EQ, TU
MT	Montana	EQ, TU
NE	Nebraska	EX
NV	Nevada	EQ
NH	New Hampshire	EX, EQ
NJ	New Jersey	EQ, TU
NM	New Mexico	EQ, TU
NY	New York	EX, EQ, TU
NC	North Carolina	EX, EX, TU,
ND	North Dakota	EQ
OH	Ohio	EX, EQ, TU
OK	Oklahoma	N/A
OR	Oregon	EX, EQ, TU
PA	Pennsylvania	EX, EQ, TU
RI	Rhode Island	N/A
SC	South Carolina	EX, EQ, TU
SD	South Dakota	EQ
TN	Tennessee	EX, TU
TX	Texas	EX, EQ, TU
UT	Utah	EQ
VT	Vermont	TU
VA	Virginia	EX, EQ, TU
WA	Washington	EX, EQ, TU
WV	West Virginia	EQ, TU
WI	Wisconsin	EX, EQ, TU
WY	Wyoming	N/A
DC	District Of Colombia	N/A

Conclusion:

Now if you’re considering applying for a Discover It Card… Then here’s your chance to find out where Discover Bank pulls from in regards to each state. It appears that Equifax is prominent when it comes to where your information is pulled. However, there may also be a chance that your pull may come from Experian or Transunion. Keep in mind that if you have a report frozen… Discover Bank will not approve you for that certain card you applied for; you will need to unfreeze any reports prior to applying with Discover. Also, you can find out which card is fit for you by checking out our complete list of Credit Card Promotions today!

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Does Discover do a hard pull for pre approval?

The Discover pre-approval tool can tell you whether you're pre-qualified for a credit card with no harm to your credit. Since the request for pre-approval only generates a soft inquiry, there is no impact to your credit score.

Is Discover Card hard to get?

A 700+ credit score is needed to get most Discover credit cards, but there's no minimum credit score needed for a few Discover cards. You can get the Discover it® Secured Credit Card with a bad credit score (below 640).

Which credit bureau is pulled most?

Most of the time Experian. In some rare cases they can pull Experian plus Equifax. If a credit card only pulls Equifax, will it report the card once approved to all three credit bureaus?