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Q: I’m thinking about applying for a Discover card. What credit bureau will they check out for my score and history?
A: Discover does not look at only one credit bureau for applicants’ credit scores. Like most major credit card companies, they use all three credit bureaus. For each individual person, however, they may only look at one, and the one they use will vary from person to person. Unfortunately, Discover does not disclose their exact procedures for granting credit, so it can be hard to predict which credit bureau they will pull your credit score from.
Since you don’t know which credit bureau they will pull from, it’s important to keep track of all your credit reports. If there aren’t any errors, these scores will generally be pretty close in number, so do what you can do: make sure there are no errors on your credit report, such as transactions that you never made, or old information that should have been cleared off your report already. Most information will stay on your credit report for about 7 years. If anything over 10 years old is still on there, contact the credit bureau and have them correct it.
You can dispute this information in a variety of ways, including by mail or on the bureau’s website. You can find the contact information for each of the three main credit bureaus here. After you’ve checked to make sure the information is accurate, you can apply for your card. Good luck!