Something you can do that may help
Try for SP only CLI's
If you can afford to pay a big chunk of the card in question off but I know since you maybe saving for downpayment this may not be an option
any of those 2 would get you a few points
Myjourney- thank you for your honest but positive feedback. I would have probably made a mistake had I not asked. You are right, it's not worth the few points I would gain. No use in risking a negative result. I have been so credit crazy these past few months and I am always eager to improve my score. Good to know this is too risky to do that.
You are very welcome ...anytime
What's the limit on your Discover? Are you maxed? If not, you're probably worrying yourself over nothing.
Do you have any cards you can get a SP CLI on, like any GE cards? That would give you a higher total amount of credit available which would lower your utilization, which could help you gain a couple of points. Also, with your Cap One, have you had that card for at least 6 months and have you had a CLI in the past 6 months? If you have had it at least 6 months and haven't gotten a CLI in the past 6 months, email the EO (do a web search for the email address) and ask for a CLI. Aim high - they will ask you if you will accept less if they can't accept the full amount. It will be a SP. I went from $1500 to $5000 to $7000 going this route. You may even want to call Discover as they will sometimes do a CLI on a SP but make sure you stop if they say it will be a HP.