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Discover CLI

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Anonymous
Not applicable
‎03-21-2015 02:06 AM
‎03-21-2015 02:06 AM

Discover CLI

Hello All,

I am new to myfico but made drastic strides in the couple months I've just been reading these forums. I received my first auto CLI from discover a couple days ago. Went from $500 to $1500. So my question is: Should I try the luv button or attempt to do a HP CLI or garden this for a bit before trying to push it? Any insight helps. I believe discover uses TU for SP but not sure on HP? TU sitting at 701.

Thank you,
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baller4life
Super Contributor
‎03-21-2015 03:47 AM
‎03-21-2015 03:47 AM

Re: Discover CLI

They use TU for hp as well. Congrats on auto cli. You could always give it a try. The system will warn you first if they need to hp. It's up to you at that point to decide whether you can afford the hp. Many have only received $500 increase after a hp. A few $250 Smiley Frustrated Others have gotten over $1k. So it's really a crap shoot with Discover.

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chalupaman
Super Contributor
‎03-21-2015 05:44 AM
‎03-21-2015 05:44 AM

Re: Discover CLI

Not bad for Discover. Congrats on the increase.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
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