Usually credit card offers use reporting services from Innovis (sometimes know as the “4th Credit Bureau”) to determine what credit card products to offer consumers. However, a discrepancy may occur once you apply for a credit card. When you apply for a credit card, the issuer may use your credit scores from Experian, TransUnion, and/or Equifax to make the final decision regarding whether to approve your application. Often the information from Innovis is different from the three major credit bureaus, thus causing the discrepancy.
To maximize your chances of being approved, you should know all three of your credit scores prior to applying. Knowing your credit score allows you to select the right financial product and eliminate unnecessary credit inquiries.