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Well, apparently, I have arrived! My goal was to reach a 750 FICO score. I recently converted my Discover Open Road to an IT. When I spoke to the CSR, I went ahead and asked for another CLI (pretty sure I wouldn't get one, they had auto-CLI'd my a few days prior. She said it was not available as I had just received one, but if I wanted a hard inquiry it might be approved. I said no thanks. Today I get home from being gone all week, and my wife tells me there's a letter from Discover notifying me I had been declined for a CLI. I take a look and there it is.... THE SCORE! 753 Wow. Best denial letter I've ever received.
On a side note, I didn't realize they got a score from a soft pull. It must have been one they had on file. The CLI request was on 2/16, but the report date was 1/20.
Congratulations and welcome to the 750 club! Feels great, doesn't it?
Very nice!! Congratulations!!
Congrats!
Congrats!
CONGRATS
@hardworkrebuilding wrote:Well, apparently, I have arrived! My goal was to reach a 750 FICO score. I recently converted my Discover Open Road to an IT. When I spoke to the CSR, I went ahead and asked for another CLI (pretty sure I wouldn't get one, they had auto-CLI'd my a few days prior. She said it was not available as I had just received one, but if I wanted a hard inquiry it might be approved. I said no thanks. Today I get home from being gone all week, and my wife tells me there's a letter from Discover notifying me I had been declined for a CLI. I take a look and there it is.... THE SCORE! 753 Wow. Best denial letter I've ever received.
On a side note, I didn't realize they got a score from a soft pull. It must have been one they had on file. The CLI request was on 2/16, but the report date was 1/20.
Congrats on the accomplishment and hope to join you and many others the 750 club in 2014!