Discover unOfficial Data Points

[Anonymous]

Was yours with a preapproval?

[Anonymous]

Is there a certain period of time you need to be a CS subscriber to reduce the risk of a hard pull? I only signed up for CS yesterday, and I'm thinking of applying the first week of April...

[Anonymous]

my wifes discover IT approval with no hard pull was a pre approval

[stinastina]

I applied through my scorecard account and they pulled both Equifax and Experian.

[Anonymous]

I signed up for CS yesterday, but my utilization will report lower in one week as I just paid off a card. However, CS won't update for another month. Will that have any effect on whether or not it's a SP? Should I wait for CS to update the higher score before applying if Discover uses that score?

[bizarrocreditworld]

Just to prove how crazy Discover is, here is a tale of two cards:

My wife has scores in the that are around 720, except for her Experian, which is at 675. She started with a $12,000 CL and got a $500 CLI at 90 days. Today was another 90 days. She got a $4,000 CLI.

I have scores that are between 722 and 736 in FICO 8 and all of my scores overall are in the 700s. Starting CL of $3,000, CLIs of $500 each every 90 days for the first nine months. Declined yesterday. Sock drawer time, especially since I have cards with much higher limits.

[Anonymous]

I got ahead of myself and hit the CLI button before making a payment..got the 2 day notice. lol

111 days in and probably my second denial. I'm at about 50% utlization although this seemed to work for some others here. Any chance paying in full right now will get me a CLI? Lol

[Anonymous]

When you make CLI requests they go off of their last pull on file, so making last minute changes usually wont count for anything.

[Anonymous]

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@Anonymouswrote:
When you make CLI requests they go off of their last pull on file, so making last minute changes usually wont count for anything.

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That was probably where I went wrong last time I tried a CLI - they were going off the February 28th pull and a lot of the data from my round of payoffs (and successful CLI's which took place around March 8th) hadn't recorded yet. I'll give it another shot next month.

[Anonymous]

Probably so.  It's always good to give things a little extra time if you have significant changes going on with your credit profile to ensure that the lender is seeing the most updated (and better) information.