11-15-2012 09:54 AM
So I tried getting a cli on my discover. I did the automated prompts over the phone and requested a 2,000 increase from my current 750 limit. They said a csr would have to review my application. he was very nice and tried helping but he had no clue what a hard inquiry was. I had to explain it to him. So he went to find out if me requesting the cli through him would result in a hard pull and he said that there would be a prompt and I would have the chance to not go through with it if it was indeed a hard pull. I was denied again. But now I am worried that it was a hard pull eventhough he said it would not be because he didnt sound too sure and had to ask someone else. Any thoughts?
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO