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Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

Re: Thank you Discover....

Well. It should all be corrected by the 5th of Nov. ill do my NFCU membership then and at end of Nov do my 61 day 3x CLI on Amex delta card.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Moderator
Shogun
Posts: 12,902
Registered: ‎04-15-2011

Re: Thank you Discover....

GECRB has done the mid cyle bit on me before.  Didn't really matter then as I wasn't apping for anything.  However if I was at the point were I was needing a score bump I'd have been upset too.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Regular Contributor
EandK23
Posts: 178
Registered: ‎09-12-2012

Re: Thank you Discover....

Is there any rhyme or reason to why they mid-cycle report?  CLI, BT, etc?  

Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

Re: Thank you Discover....

Mine was probably because I moved my due date.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge
Moderator
Shogun
Posts: 12,902
Registered: ‎04-15-2011

Re: Thank you Discover....


EandK23 wrote:

Is there any rhyme or reason to why they mid-cycle report?  CLI, BT, etc?  


Full moon?  I have no idea on mine.  I didn't change anything.


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Established Contributor
shakalaka
Posts: 547
Registered: ‎09-10-2012

Re: Thank you Discover....

I guess there is always a good explanation for Discover doing this (SP, CLI, statement change) ... nevertheless, what is the problem? It may not be a good thing for us, but as long as someone does not want to apply for something, it doesn´t matter that much in my opinion.

 

Do not get me wrong, I will not like it either, if they do that to me. But as long as it is in some form legal for them to do that, there is not much one can do. Besides SD the card maybe.


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (17,400) | Discover IT (12,700) | Chase Freedom (4,800) | Walmart (4,500) | CapOne (1,500) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 748 (4/30) EQ 730 (4/26) EX 748 (12/5)

Frequent Contributor
SwampSystems
Posts: 358
Registered: ‎06-25-2012

Re: Thank you Discover....

Discover always mid-cycle reports for me when I request a CLI. You can actually use this to your advantage by paying down your balance to zero and requesting another CLI.

Established Contributor
shakalaka
Posts: 547
Registered: ‎09-10-2012

Re: Thank you Discover....

He He even if you do not get one, you win :smileyvery-happy:


Amex Platinum (NPSL) | Amex BCE (33,400) | Chase Sapphire Preferred (17,400) | Discover IT (12,700) | Chase Freedom (4,800) | Walmart (4,500) | CapOne (1,500) | Alliant CU Visa | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 748 (4/30) EQ 730 (4/26) EX 748 (12/5)

Valued Contributor
Duncanrr
Posts: 2,841
Registered: ‎06-08-2012

Re: Thank you Discover....

I don't think I'll app for regular discover card. I see no reason to. Crap, Barclays is better.


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

Take the FICO Fitness Challenge

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