Discover CLI - request or skip?

[Swatch]

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@joltdude wrote:

It only really makes sense to ask if they just pulled your TU score (for your FICO score for the statement) because you asking will still likely use the SP score they already pulled for you last month...

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Oh, thanks! So maybe I was wrong in my previous post. Discover says "After reviewing your application, we may need to pull a credit bureau report, which may affect your credit score. In these cases, we will proceed with the application only with your consent." and they did pull my TU FICO to show me the free score recently.

[Swatch]

I went ahead and tried. Denied. I hope they didn't HP.

[AverageJoesCredit]

Dont worry, i think ive smashed like 3 straight months, and though my shredder is well fed, i still have my accounts and no hps

[joltdude]

The only time other than initial apping iv heard of HPs for CLIs.. you have to call them , request a CLI, and they will ask you if you want to proceed with the CLI request with HP...

[mrfufoppss]

This Morning My First Discover card (was secured) got its first Increase of 250..its been exactly 91days since it unsecured also i was denied twice this week Monday and Tuesday. and today (Jackpot!) so i was 1 for 3 in requesting a CL in a week .hope this helps

[Swatch]

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@mrfufoppss wrote:

This Morning My First Discover card (was secured) got its first Increase of 250..its been exactly 91days since it unsecured also i was denied twice this week Monday and Tuesday. and today (Jackpot!) so i was 1 for 3 in requesting a CL in a week .hope this helps

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Wow! Were you submitting with their online form?

Edit: Oh, I guess over 90 days was the key in this case.

[Swatch]

Would it be ok if I increased my income amount suddenly? I applied for the CLI yesterday and had to put income, but today I just realized I wasn't grossing up the non-taxable parts, and I think I should be.

[Swatch]

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@joltdude wrote:

The only time other than initial apping iv heard of HPs for CLIs.. you have to call them , request a CLI, and they will ask you if you want to proceed with the CLI request with HP...

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Thanks!

Do they always pull TU? And EQ?

[AverageJoesCredit]

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@Swatch wrote:

Would it be ok if I increased my income amount suddenly? I applied for the CLI yesterday and had to put income, but today I just realized I wasn't grossing up the non-taxable parts, and I think I should be.

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Id be careful here. If it isnt a huge discrepancy from what youve been putting you should be ok but sudden changes in income might make Discover more interested in your account and may invite a 4506 request. Its possible. Some people feel its their 8ncome preventing s cli, to me thsts not really the case. Nobody can figure Disco for sure snd they, like most lenders, look at a variety  of factors in determining if one gets a cli.

[mrfufoppss]

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