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discover HP CLI

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tennisfan78
Established Contributor

discover HP CLI

 

 

I tried for softpull cli, but they said that HP is needed.  Took the HP

 

 

Asked for $10,000 and they countered  with $9,500

 

CLI from $4500 to $9500

 

I am not sure which credit report they pulled. I guess I will find out soon.

 

 

 

 

 


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 1 of 23
22 REPLIES 22
09Lexie
Moderator Emerita

Re: discover HP CLI

Well done! I don't mind taking a Hp for a nice CLI.
Message 2 of 23
kevinjjc
Valued Contributor

Re: discover HP CLI

Congrats! Most likely a hard pull on TU.
Message 3 of 23
tennisfan78
Established Contributor

Re: discover HP CLI

 

 

Thanks Lexie and Kevin.

 

I will keep an eye on TU and see if that inquiry shows up


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 4 of 23
vpae
Established Contributor

Re: discover HP CLI

Congrats, nice increase! I requested a CLI on my Discover a few days ago and got a HP on TU. I'm in North CA.

12/19/19 06/11/20 07/02/20
Total CL: $708,900. Largest CL: Amex Bonvoy Brilliant $70K. Apple Card $40K. Chase Ritz Carlton $35K. Mouseover for individual CLs
Message 5 of 23
tennisfan78
Established Contributor

Re: discover HP CLI


@vpae wrote:

Congrats, nice increase! I requested a CLI on my Discover a few days ago and got a HP on TU. I'm in North CA.


Thanks vpae. Did they send you the TU score in mail?


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 6 of 23
vpae
Established Contributor

Re: discover HP CLI

No unfortunately not.

 

Maybe because it was approved?

 

On an unrelated note:

 

I requested a CLI from BofA and they couldn't approve the amount I requested so they sent me a score in the mail. They pulled TU as well. The next day I called BofA and recon'd the CLI and got what I requested. 

 

I just got the score in the mail today, BofA said my 07/30 fico score was 816 on TU. Which is interesting. The score I pulled from myFico from 7/20 was only 776.

12/19/19 06/11/20 07/02/20
Total CL: $708,900. Largest CL: Amex Bonvoy Brilliant $70K. Apple Card $40K. Chase Ritz Carlton $35K. Mouseover for individual CLs
Message 7 of 23
tennisfan78
Established Contributor

Re: discover HP CLI


@vpae wrote:

No unfortunately not.

 

Maybe because it was approved?

 

On an unrelated note:

 

I requested a CLI from BofA and they couldn't approve the amount I requested so they sent me a score in the mail. They pulled TU as well. The next day I called BofA and recon'd the CLI and got what I requested. 

 

I just got the score in the mail today, BofA said my 07/30 fico score was 816 on TU. Which is interesting. The score I pulled from myFico from 7/20 was only 776.


congrats on clis from discover and boa. great job on recon.  816 and 776 are awesome scores, i hope to get there at some point. why in the world would boa not grant your request first time with such good scores ?  Thats crazy.


Starting Score: EQ=665,TU=618 on Oct 9,2010
EQ=702,TU=725 on Apr 11, 2012 EQ=705 on Oct 31, 2012 Current Score: EQ=702, TU=714 on Dec 8, 2012
Goal Score: 750

Take the FICO Fitness Challenge
Message 8 of 23
vpae
Established Contributor

Re: discover HP CLI

The rep on the phone told me it was probably because I just opened a new Fidelity Amex and it's backed by FIA, so they just extended me a line. That and I asked for 5X the limit. So the computer wouldn't do any more but after a manual review he was able to.

I got 2 letters today from bofa, one said sorry we couldn't give you the limit you wanted and a list of reasons why (too many inquiries, no recent installment account, age of account is too new, etc) the and then another letter saying congrats, here is your full limit requested! Lol
12/19/19 06/11/20 07/02/20
Total CL: $708,900. Largest CL: Amex Bonvoy Brilliant $70K. Apple Card $40K. Chase Ritz Carlton $35K. Mouseover for individual CLs
Message 9 of 23
KIPPIE12
Established Contributor

Re: discover HP CLI

Difference in your scores is probably bankcard enhanced score. Similar to auto enhanced score for automobile credit scoring. Congrats!

Current Score: EQ: 828, EX: 833, TU: 820 Citi TY Premier WEMC 46.5, (Since 1983)Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| Cap One QS WMC 15K|Chase Freedom VS 19.3k|Citi Dividend WEMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Macys 5k|Sams MasterCard 15k|Barclay Arrival Plus WEMC 18.7k|Chase IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k|Amex Everyday 16.2|BBVA Amex 22.5k|Total Rewards VS 12.5k|SGV 10K|Venture 12k|BOA Virgin Atlantic WEMC 11.2K|MB Amex 9.5k
Message 10 of 23
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