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Valued Contributor
Duncanrr
Posts: 2,500
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 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750

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Moderator
Shogun
Posts: 7,374
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

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+

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Contributor
EandK23
Posts: 171
Registered: ‎09-12-2012

Re: Thank you Discover....

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



Starting Score: 632 (TU) 02/2011
Current Score: TU08: 743 (12/12) EX: 742 (Amex Pull) 09/2012
Goal Score: 780


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Valued Contributor
Duncanrr
Posts: 2,500
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 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750

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Moderator
Shogun
Posts: 7,374
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

Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+

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Frequent Contributor
shakalaka
Posts: 459
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 (12,000) | Discover IT (8,000) | Chase Freedom (4,300) | Walmart (850) | Alliant CU Visa | CapOne Newcomers MC | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 726 (5/13) EQ 710 (5/22) EX 714 (1/26)

Frequent Contributor
SwampSystems
Posts: 344
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.

Frequent Contributor
shakalaka
Posts: 459
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 (12,000) | Discover IT (8,000) | Chase Freedom (4,300) | Walmart (850) | Alliant CU Visa | CapOne Newcomers MC | Gone for good: CapOne secured (thx for getting me started) | Amex Zync (thx for getting me into AX)

FICO: TU 726 (5/13) EQ 710 (5/22) EX 714 (1/26)

Valued Contributor
Duncanrr
Posts: 2,500
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 678 TU 702 (Amex pull) EX 724 (Amex) CK 682 (FAKO-EX 684, EQ 684, TU 684)
Goal Score: 750

Take the FICO Fitness Challenge

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