Discover CLI Denied

Anonymous · ‎08-15-2016

They used a SP from 7/12 TU 674

Was denied for the following reasons

Number of recent inquiries(no inquiries have been made in 2016 )(8 inqs in 2015)

Ratio of balance to credit line (balance is now .22)

Bureau reports insufficient decrease in highest mortgage balance(mortgage was sold to another lender but both appear on the report)

Called the number listed on the letter and he would not budge

Any ideas how to get around this ?

Belfanm · ‎08-15-2016

I would try again in 31 days. My increases went from 31 to 45 and now 60 days apart.

Exp 745 Trans 738 Eq 760 Gardening since 3/6/2016

Anonymous · ‎08-15-2016

Ok thanks I will try again in 31 days

Vegas4Play · ‎08-15-2016

Sorry to hear of yur denial OP.

Fico 8's TU 756/ EQ 754/ EX 743- 8/2020// AAoA 5.7 years // Lines August 2020 = 619k Personal - Business 61k // Inquiries 6 TU - 0 Exp - 0 Eq.

bk510 · ‎08-18-2016

@Belfanm wrote:
I would try again in 31 days. My increases went from 31 to 45 and now 60 days apart.

My CLI have been consistant at every 31 days......200, 500, 1000, 1500 and this past month 2300.

I love Discover

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Burned AECitiChase

Anonymous · ‎08-18-2016

Bk510 - How'd you do all those CLI's???

Indycoltsfan · ‎08-22-2016

Keep trying - I get declined more than I get approved for CLIs with Discover. The main reason always is "not enough experience with current credit limit..."

bk510 · ‎08-25-2016

@Anonymous wrote:
Bk510 - How'd you do all those CLI's???

Well, at everyday 31 days I would just request it and it instantly approved me.....nothing more to it.

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Burned AECitiChase

Anonymous · ‎08-26-2016

What's your CS?