Reply
Regular Contributor
Posts: 179
Registered: ‎07-12-2011
0

Discover wanted a HP for CLI

I decided to call Discover since i have had my IT card for 7 months now, The Customer Service is by far the best of any card i have had (Probably due to the fact that all of their call centers are in the US), The representative asked me a few questions about income and why i wanted the increase, just when i thought i was about to get the increase he comes back saying that they need to check my credit report, i asked him if it was a SP or a HP and he said it would be a HP, I told him to just cancel the request and that i would call back at a later time.

 

 

I thought Discover did soft pulls for CLI's?

Valued Contributor
Posts: 1,145
Registered: ‎04-13-2013
0

Re: Discover wanted a HP for CLI

It's nice when you can get CLIs with SPs but most CCCs will require a HP for customer initiated cli requests. Obvious exceptions include Amex and GE.

Gardening since 7/16/14
Current: EQ 711 7/13/14; EX 724 TU 721 6/19/14
Goal: 760+
Moderator
Posts: 27,205
Registered: ‎09-13-2012
0

Re: Discover wanted a HP for CLI

I was denied a SP CLI about two weeks ago. This morning, I received one for $800. Give it a few more weeks.
Established Member
Posts: 16
Registered: ‎03-06-2013
0

Re: Discover wanted a HP for CLI

I literally just got an increase today and was assured it was a SP. usually they run it and wil let you know if a HP is needed to continue. I have been told that twice. The first time i needed it and this recent one i did not. Maybe your CSR was confused if he didnt try for a SP first.

Moderator
Posts: 27,205
Registered: ‎09-13-2012
0

Re: Discover wanted a HP for CLI

I was told that if the computer cannot approve on a sp, the will inform you that a Hp would be necessary.
Established Contributor
Posts: 637
Registered: ‎09-18-2011
0

Re: Discover wanted a HP for CLI


Denny33142 wrote:

I decided to call Discover since i have had my IT card for 7 months now, The Customer Service is by far the best of any card i have had (Probably due to the fact that all of their call centers are in the US), The representative asked me a few questions about income and why i wanted the increase, just when i thought i was about to get the increase he comes back saying that they need to check my credit report, i asked him if it was a SP or a HP and he said it would be a HP, I told him to just cancel the request and that i would call back at a later time.

 

 

I thought Discover did soft pulls for CLI's?


I had the exact same experience. Thet wanted to do a HP on my request and I told them to cancel the request.  Hoping for a SP CLI , I was disappointed. I may SD this card if they dont show me any luv 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
Super Contributor
Posts: 6,569
Registered: ‎04-07-2008
0

Re: Discover wanted a HP for CLI

Discover is a strange one. I got a CLI with a SP.

 

The internal system does a review first and see if they can grant the CLI otherwise it;s ocmes back and requests a HP.




Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.