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Discover CLI online-HP or SP?

Discover CLI online-HP or SP?

Finally posting to forums after months of creeping everyone's very helpful posts!

When you request CLI online for Discover, is it hard or soft? Just from everyone's own experiences.
Message 1 of 5
4 REPLIES
Regular Contributor

Re: Discover CLI online-HP or SP?

Soft, typically.



Message 2 of 5
Contributor

Re: Discover CLI online-HP or SP?

Went through this twice in the past six months... Both times I received a counter-offer (soft pull) with the option for a manual review (hard pull).

Message 3 of 5
Established Contributor

Re: Discover CLI online-HP or SP?

if it accepts your amount, usually a soft. if it give you a counter-offer, that should be a soft too. if you have to talk someone, normally they're going to end up asking for permission to pull your reports-that would be a hard.

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Message 4 of 5
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Valued Contributor

Re: Discover CLI online-HP or SP?

SP

Starting Score: 560
Current Score: 748 Wishlist: CSP, Simply Cash, SPG, BOLD, INK, United MP,
Goal Score: 800


Walmart: 10k |Usaa: 8k|BCE: 13k| Amex: NSPL|Dis: 9.4k|Cap: 5.5k|CAP: 2k|CSP: 13.4k| Pen:4.5k

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