WalletHub, Financial Company
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Discover says they randomly select which of the “big three” credit bureaus to pull a report from when evaluating an applicant for a credit card or loan. So it could be Equifax, TransUnion or Experian. They may even pull from more than one.
Don’t be alarmed by the randomness of the process. If you use credit responsibly, all your credit reports will reflect that. You can stay on top of your financial situation with WalletHub’s free credit reports, updated daily. Check out our information on Discover cards and our recommendation on the best Discover card for various personal situations.
Popular Credit Cards from Discover, Our Partner
Jake Tellien, Member
@jaket6
No lender reveals that, exactly for that purpose. You have to make sure your worthiness looks good on all fronts.
People also ask
When does Discover report to credit bureaus?
Discover reports to the credit bureaus once each month, within days after the end of your monthly billing period. Discover reports a credit card’s credit limit, account balance, payment history, and more to TransUnion, Equifax, and Experian.
After Discover reports your account information to the credit bureaus each month, it may take a few days before the updates appear on your credit report. When you first open a new Discover credit card, you may...
read full answer by Chip Lupo, Credit Card WriterDoes Discover secured card report to all 3 credit bureaus?
Yes, they report to the big 3.
What credit bureau does Discover it Business use for approval?
Discover seems to prefer Equifax, but they will pull from Experian and TransUnion too, depending on the state you live in. You can call their business credit cards department and ask exactly what applies to you. The number is 1-888-347-2683. Good luck!
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I would disagree with you. The hard pulls ads 2 from Capital One (C1 does always pull from all 3 credit reports, there also is 1 Discover pull and finally 1 Bank of America pull on Experian. My transunion card only has those 2 bass pills and one falls odd tomorrow so I’m down to 1 HP on Transunion. Equifax iis in the exact same spot as Transunion. I plan one applying for 2 cards in the next couple months. First the Barclays Aviator AAdvantage World Elite Mastercard which earns you 70,0000 miles agree a small spend Barclays exclusively uses Transunion I’ll only how 1 Hp that shows doe that application which is going to help. The other card is the Discover IT Travel card which technically is a travel cads but my main plan for what I’ll use it for is a balance transfer card with its 18 months of 0% and also having 15 months of 0! Interest on purchases. I need 4 new 20” times for my 4Runner and also 2 crowns that my dentist says I need in the next few months. It would be nice to be able to spread out payments with no interest in this day and age of astronomical inflation. This is why you should want to know who pulls from who because 4 inquiries on your Experian report looks a heck of a lot worse than 0 or one pull could make a difference at the end.