Member
illusi0n5
Posts: 12
Registered: ‎03-14-2008
Re: Discover CLI
There are actually two different methods they employ to do a CLI upon request. Either 1)based on your account history alone or 2) "full application" which includes a hard pull. Call in, ask for a CLI, and the rep will tell you either a) you were approved for a CLI of XXXX amount or b) additional information will be needed to consider you for a CLI and request your permission to do a hard pull. They will not do a hard pull without specifically asking your permission.
Mega Contributor
RobertEG
Posts: 18,526
Registered: ‎03-19-2007
Re: Discover CLI
If you did not ask for it then they, undet the FCRA, CANNOT
Mega Contributor
RobertEG
Posts: 18,526
Registered: ‎03-19-2007
Re: Discover CLI
If the CLI was NOT asked for or authorized by you, then the law (FCRA) prohits them from making a hard pulll.   Not my opinion.  It is law. 
Moderator Emeritus
fused
Posts: 16,373
Registered: ‎03-12-2007
Re: Discover CLI


RobertEG wrote:
If the CLI was NOT asked for or authorized by you, then the law (FCRA) prohits them from making a hard pulll.   Not my opinion.  It is law. 


You're right!!!!!
Credit Profile -
FICO 08 Scores (11-08-2014): EQ 818, EX 817, TU 822
All three scores were 850. Lost points for not having an open installment TL. So, BE WARNED!!!!!
Credit History: 26+ years ~ AAoA: 12 years ~ Util: 1% ~ Inqs: EX 1

Regular Contributor
kvdss
Posts: 141
Registered: ‎10-27-2007
Re: Discover CLI
If you didnt ask for it they based it on your account history with them they do do auto cli's every so often
Established Contributor
woopah
Posts: 721
Registered: ‎03-15-2008
Re: Discover CLI


RobertEG wrote:
If the CLI was NOT asked for or authorized by you, then the law (FCRA) prohits them from making a hard pulll. Not my opinion. It is law.





Thanks! That's good to know!
4/16/09: TU: 775, EQ: 805
2/11/09: TU: 773, EQ: 790, EX:790
11/16/08: TU: 773, EQ: 785, EX: 780
Goals for 2009: 0 Credit Card Debt & 0% Util (achieved 2/6/09), Mortgage! (achieved 11/2/09), getting closer to 800 scores (I crossed this earlier this year, but I'm sure I'm not there anymore!)
Frequent Contributor
credit08
Posts: 386
Registered: ‎03-27-2008
Re: Discover CLI
[ Edited ]
Thank you and the other guys for all the input excellent  no late payments 10K just received my sixth statement last week.


Message Edited by credit08 on 04-25-2008 04:39 AM

Message Edited by credit08 on 04-25-2008 05:50 AM
Regular Contributor
Nonaii
Posts: 246
Registered: ‎06-02-2008
Re: Discover CLI

RobertEG wrote:
If the CLI was NOT asked for or authorized by you, then the law (FCRA) prohits them from making a hard pulll.   Not my opinion.  It is law. 

what is the law that prohibits an automatic credit limit increase from being a hard pull? 

New Contributor
wfreeman3
Posts: 62
Registered: ‎11-27-2007
Re: Discover CLI
I just used the automated CLI request from the phone number on the card.  I asked for $ 500.00 and it was approved with a soft.  This was my first request since 05/2008.  I made a note to try again in 6 months.

Starting Score: 766
Current Score: 766
Goal Score: 800


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New Contributor
cantex
Posts: 70
Registered: ‎10-07-2008
Re: Discover CLI
Same here.  Had the card for about 15 mths now.  I asked for 2 CLI's using the automated phone option.  They were both soft pulls and you can enter how much you want to request as a CLI.  I went from $2.5-->3k-->5k.   I asked at the 6th and 12mth.   I was a chicken on the 1st one since I read that 5k is really pretty good for Discover.