Discover called with a CLI
10-17-2012 05:10 PM
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.
Current Score: 748 TU(12/12), 771 TU98 , 826 TU08 FICO, 752 EQ FICO , 735 EX(9/12), 794 EX08 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)
Re: Discover called with a CLI
10-17-2012 05:14 PM
Re: Discover called with a CLI
10-17-2012 11:03 PM
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.
Current Score: EQ 780 EX 814 TU 783
Goal Score: 800
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Re: Discover called with a CLI
10-18-2012 12:06 AM
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.
Current Score: 748 TU(12/12), 771 TU98 , 826 TU08 FICO, 752 EQ FICO , 735 EX(9/12), 794 EX08 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)
Re: Discover called with a CLI
10-18-2012 03:41 AM
Luck smiles upon you.
I wish they'd call me! Did you refer them to me!?
Congrats!
Follow my financial journey: http://www.frugalrican.com
EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+
AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)
