Valued Contributor
crunching_numbers
Posts: 1,093
Registered: ‎02-15-2012
Discover called with a CLI

After turning me down for a CLI last month, Discover called today and took my information.  Using a soft pull they gave me a CLI from $6500 to $8000. Yipee!

 

I had read about this happening to other people, but now it was me.  I feel much better. I was kind of disappointed they turned me down in the first place.

I am doing a refi on the house, so I asked twice: I am only interested if it will be a soft pull.  I do not want a hard pull because of the refinance. Will this be a soft pull? Are you sure?  LOL.  


Starting Score: 693 TU FICO, 679 EQ FICO
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Goal Score: 750+, but shooting for the 800's
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Frequent Contributor
Scuba
Posts: 455
Registered: ‎06-08-2008
Re: Discover called with a CLI

Very similar to what happened to me.

 

It is nice when it happens.

 

I wonder why they turned you down the fist time only weeks later to ok it.

 

Strange

Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
Re: Discover called with a CLI
I was told if a cli gets denied, they fwd it to the manual review department...maybe that is why?
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Frequent Contributor
LTomBerry
Posts: 398
Registered: ‎08-02-2011
Re: Discover called with a CLI

crunching_numbers wrote:

After turning me down for a CLI last month, Discover called today and took my information.  Using a soft pull they gave me a CLI from $6500 to $8000. Yipee!

 

I had read about this happening to other people, but now it was me.  I feel much better. I was kind of disappointed they turned me down in the first place.

I am doing a refi on the house, so I asked twice: I am only interested if it will be a soft pull.  I do not want a hard pull because of the refinance. Will this be a soft pull? Are you sure?  LOL.  


Have you logged on to see if it went through?

 

I assume you took the proper precautions when they called you.

I would not give personal info to someone that called me, I would tell them I'll call the # on the back of the card, and what extension can I reach them at? Someone could easily get CL info if they got a hold of a credit report, and go phishing for the rest of the missing info.

 

Anyways congrats on the CLI, they have hooked me up with soft pull CLIs every 6 months a few times now.

 


Starting Score: 690
Current Score: EQ 780 EX 814 TU 783
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Valued Contributor
crunching_numbers
Posts: 1,093
Registered: ‎02-15-2012
Re: Discover called with a CLI

LTomBerry wrote:

crunching_numbers wrote:

After turning me down for a CLI last month, Discover called today and took my information.  Using a soft pull they gave me a CLI from $6500 to $8000. Yipee!

 

I had read about this happening to other people, but now it was me.  I feel much better. I was kind of disappointed they turned me down in the first place.

I am doing a refi on the house, so I asked twice: I am only interested if it will be a soft pull.  I do not want a hard pull because of the refinance. Will this be a soft pull? Are you sure?  LOL.  


Have you logged on to see if it went through?

 

I assume you took the proper precautions when they called you.

I would not give personal info to someone that called me, I would tell them I'll call the # on the back of the card, and what extension can I reach them at? Someone could easily get CL info if they got a hold of a credit report, and go phishing for the rest of the missing info.

 

Anyways congrats on the CLI, they have hooked me up with soft pull CLIs every 6 months a few times now.

 


Oh, it is there. They actually left a VM on my answering machine.The message was that they needed to speak with me regarding some recent correspondence from Discover and to call back the toll free number.  They called two days in a row, and I thought maybe it was someting bad, so called back.   I am very leary of giving away information over the phone, and I am glad you are reminding people about the dangers.


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: 748 TU(12/12), 783 TU98 , 813 TU08 FICO, 744 EQ FICO , 735 EX(9/12), 794 EX08 FICO, 809 EX08 bankcard FICO
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (20.7K), BofA Travel Rewards ($17.5), B&N World MC ($17.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (15K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig ($8.6K), Disc It ($8K), Citi Dia Pref MC ($3.7K),Sam's D ($8.5K), Wally D ($7.5K), JCP($5.3K)
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
Re: Discover called with a CLI

Congrats

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FrugalRican
Posts: 2,876
Registered: ‎02-02-2012
Re: Discover called with a CLI

Luck smiles upon you.

I wish they'd call me! Did you refer them to me!?

Congrats!

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