![]() I am thinking of getting another SageStream disclosure due to an adverse action notice from the loan prequal mentioned above (where the letter lists SageStream as one of the bureaus that impacted their decision) but if I'm requesting the report I'll check if Discover adds new inquiries.Ĭopyright ©2001- Fair Isaac Corporation. I have my SageStream frozen for almost 3 years, although originally the information reported to them (address, etc) was by Discover. Meanwhile, I just checked Discover's preapproval tool and it gives me Discover it Miles and the 5% rotating Discover it, although I already have the latter with them. Apparently no hard inquiries added to EQ/TU/EX, but the next week or so I ordered a copy of my LexisNexis full file disclosure, and there was a hard inquiry due to the loan prequalification check (matching date, matching company, etc). I was seeing CreditKarma's loan prequalification that says "doesn't affect your score" so I gave it a try. I've got a recent story from myself similar to your circumstance, although not Discover. So beware of this prequalification page and use it with caution. I called Discover customer service to ask about that and none of 4 reps had any idea about what am talking about (Classic!) Discover shouldn't hard pull any thing unless they have consent which they didn't and what's interesting is that not all the prequalification attempts have been reported to SageStream. However not every time I did the prequalification they hard pulled SageStream. I checked the dates of those hard inquiries and all of them are dates that I did the prequalification thing. Basically it had a bunch of hard inquiries from discover. For those who haven't heard of this credit agency (do some research specially if you are interested in US Bank). I recently opened a discover card so am not pre-approved because you need to wait 1 year before openning a new discover account however I use this page once a month to check my EQ credit score for free (because I know am not gonna get an offer). However, after the update you basically fill in a full application that "Doesn't affect your score" and it comes up with a SOLID offer or no offer but you do get your EQ FICO 8 score in case there is no offer. ![]() Previously you would go there type in anything and it shows you the discover card. Discover updated their prequalification page back in October (I think).
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