Time it takes to update income section for a CLI

[Kevinception]

Im planning on graduating soon and am about to start looking for a job that will pay significantly more in comparison than the one I currently have. My plan is to get a higher limit after finding that job, however, how long would it take for the new income to show on my "credit portfolio" (for lack of better terms), because I would want to get a pretty sizeable limit increase. Is it an instantenous thing or should i wait a few weeks or months for it to show for the CSRs?

[azguy13]

Your credit score does not take income into account. I would suggest that once you get the new position, you update each of your credit card lenders with the new income. You could also app for a CLI as they will ALWAYS ask for your income and it should update in their system. 

Like I said though, your income does not show up anywhere on your credit report. 

[Kevinception]

Do they usually just take your word for it when they ask for your income, or do they need proof, like a paystub or something?

[Revelate]

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@Kevinception wrote:

Do they usually just take your word for it when they ask for your income, or do they need proof, like a paystub or something?

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Mixed bag depending on lender and your statement.

A lot of times lenders won't, but if you've had a shift of income or no spending pattern, or particular lenders, they may ask for it.  Typically 2 paystubs is the common W2 payment verification if they ask.

[user5387]

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@Kevinception wrote:

Im planning on graduating soon and am about to start looking for a job that will pay significantly more in comparison than the one I currently have. My plan is to get a higher limit after finding that job, however, how long would it take for the new income to show on my "credit portfolio" (for lack of better terms), because I would want to get a pretty sizeable limit increase. Is it an instantenous thing or should i wait a few weeks or months for it to show for the CSRs?

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Credit reports do not contain income information.  I think it's possible for lenders to obtain this information in some cases using various methods, but I would not assume that such methods are reliable.

In the case of Discover, if you ask for a CLI, they will ask your income, and this would be an opportune moment to supply them with your updated information.