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Discover CLI request uses last acct SP.

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Anonymous
Not applicable

Discover CLI request uses last acct SP.

Perhaps this is common knowledge, but not something I really thought about until today.  Some lenders that provide you with a monthly FICO score that you know are taking a soft pull on your file every month simply use that most recent score/pull for CLI requests for the next 30 days.  Other lenders will take a new/fresh SP at the time you request the CLI and use that.

 

I'd just like to mention for anyone that may wonder which way Discover goes with this, they 100% use the last SP they have on file for CLI requests.  This would be the pull that goes along with your monthly provided FICO score.  Any CLI requests made will use the score/pull that you see on your account at that time.  How can you verify this?  If you get a letter from Discover following a CLI request and flip it over, you'll see on the back a FICO score that exactly matches the one that could be seen on your account.

 

This information is good to know for sure in the event that you know a major change has happened on your credit file, but hasn't yet been updated via monthly SP from Discover.  In this situation, one would want to wait until their score updates on their account, proving that the new SP has taken place prior to making the CLI request.

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6 REPLIES 6
AverageJoesCredit
Legendary Contributor

Re: Discover CLI request uses last acct SP.

And thus why you really only need to smash luv button once a monthSmiley Wink. Your updated FICO doesn't occur every day so when we smash, lol guilty, it's all for pure hulking funSmiley Happy
Message 2 of 7
Anonymous
Not applicable

Re: Discover CLI request uses last acct SP.

AJC, I don't necessarily agree with that.  I believe that the element of time (certain number of days since last CLI, etc) may very well be a factor with Discover in getting your next CLI.  This could be profile-specific.  The SP/score updating once per month is an independent factor from a CLI request.  If you request CLIs more than once a month, it simply means that they'd be using the same SP for the CLI request.  If the constraint however is the element of time [since last CLI] and not the credit profile (SP) it may not be necessary to wait for the next SP.

 

My profile is a great example of this.  Back when I was requesting weekly CLIs from Discover (every Monday) there were times that I received a CLI at a time that wasn't my first request after my score being updated.  For example, if my score updated on the 1st, perhaps I was denied a CLI on the 6th, but then was approved for one on the 13th.  In this example I was denied the first time from the SP back on the 1st, but then approved using the same SP a week later.  To me, this simply means that I needed more time to pass in order to receive a CLI. 

Message 3 of 7
CreditCuriosity
Moderator Emeritus

Re: Discover CLI request uses last acct SP.

They don't provide a FICO being any lender just to be nice to their customer it is part of their AR and pay a few extra cents to FICO to provide the score along with the AR.  So seems to make sense to me that any lender that provides a FICO it is also an AR on the account such as Citi, etc.

Message 4 of 7
Anonymous
Not applicable

Re: Discover CLI request uses last acct SP.

Oh absolutely, no doubt about that.  I don't think that anyone would argue otherwise.

Message 5 of 7
Remedios
Credit Mentor

Re: Discover CLI request uses last acct SP.

I am still on 45 day train with Disco.
I was told by CSR ,( yes I know, take it with a grain of salt) to wait 30 days after the official letter/email letting you know they approved your request, even though cli is immediately available.

I decided to test this theory, requested cli on 04/05 ( prior to that it was 03/05), and got denied for the first time.
Went to see when they sent the email, and that date was 04/09.
Requested again on 04/09 (only 4 days apart), and disco obliged.
So, for me at least, 30 day train is actually 35 day train.
Also, on at least two occassions, disco soft pulled EX, too. Coincidentally, those occasions yielded highest increases.
Message 6 of 7
codefreak13
Regular Contributor

Re: Discover CLI request uses last acct SP.

This makes sense too with our DPs that they are denying even HP CLIs outside of a 24-hr window of a SP CLI request. They really don't want to (pay?) for an extra pull outside of their schedule it seems?

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