@randomguy1 wrote:
I was receiving a Discover CLI quote often before my last one in 3/20. I have not received a CLI since 3/20.
From my personal data points, Discover uses your credit score from the last one they pulled from you. They do not use an up to date one if your credit score changed from that date.
Example:
1/10 - Discover FICO score generated
1/15 - Experian indicates score increase of 10 points
1/17 - Discover CLI - Same score as 1/10. I tested this quite a few times and the letters I have received always have yielded the Discover monthly credit score.
Oh, got it, sorry. Yeah, they'll likely be using the 1/10 score for CLI purposes on 1/16, not the higher one.
1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k-->27.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k-->$15.5k CL- AU, wife
3/9/20 Truist Rewards $11k SL --> $13.5k- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL
