Reply
Member
1hardinquiry
Posts: 21
Registered: ‎12-14-2012
0

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.
Regular Contributor
Tryon2improve
Posts: 201
Registered: ‎12-04-2011
0

Re: Discover CLI online-HP or SP?

Soft, typically.



Contributor
ajh5408
Posts: 98
Registered: ‎04-13-2012
0

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).

.ılılıll | CK/TU FAKO [770] // CS/EX FAKO [789] // QZ/EX FAKO [724] // EX FICO [763] | llılılı.
Chase Hyatt [$9K] // AMEX SimplyCash [$8K] // Chase Freedom [$7K] // PenFed Platinum Rewards [$6.5K] // AMEX Clear [$6K] //
Citi Forward [$6K] // BoA Privileges Cash [$5K] // Discover it [$3.5K] // Citi ThankYou Preferred [$2.2K] //
Established Contributor
YahComb
Posts: 599
Registered: ‎03-10-2012
0

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
Valued Contributor
nicholasyud
Posts: 1,734
Registered: ‎08-13-2012
0

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: 9k| Amex: NSPL|Dis: 3.4k|Cap: 3.5k|CAP: 2k|CSP: 5k| Pen:4.5k


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
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}