topic Re: Discover it - Optimum time for first CLI in Credit Cards

Discover it - Optimum time for first CLI

kshurika — Fri, 27 Apr 2018 09:11:07 GMT

The title says it all. Some say to wait until 3 months +. Others say to hit it monthly. I took a shot at about 2 months and was declined. Now, I'm a little past 3 months, but I want to wait until my Total Credit goes up by 130% and my Util goes down to almost nothing. That should be within the next couple of weeks. There should be a corresponding boost in my FICO scores.

I assume there is no set time for the first CLI as there is with Amex.

EX = 769
TU = 802
EQ = 752

Re: Discover it - Optimum time for first CLI

AverageJoesCredit — Fri, 27 Apr 2018 12:10:32 GMT

Whenever the middle monkey hits red on 20 on the dartboard, go for it

Re: Discover it - Optimum time for first CLI

Anonymous — Fri, 27 Apr 2018 12:13:15 GMT

I can't remember if it's been resolved but I was under the impression that Discover might use the last SP they did (for the free provided score) when it's a CLI request. So getting your utilization in order may not reflect on this month's free provided score, so it may not matter for the CLI request either.

Re: Discover it - Optimum time for first CLI

kshurika — Fri, 27 Apr 2018 14:44:30 GMT

This is valuable to know, because my free TU reported on the website is fully 100 points lower than my current one.

Re: Discover it - Optimum time for first CLI

Anonymous — Fri, 27 Apr 2018 15:44:07 GMT

Mine are different as well. This is why i suggest to hit the luv button AFTER you see the most recent updated date score. This will ensure they will have the most accurate data.