Discover unOfficial Data Points

[stinastina]

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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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I don't understand.  If they base it on the "last pull" that sounds like they never pull your score after the first time. I'm confused.

[Anonymous]

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@stinastinawrote:

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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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I don't understand.  If they base it on the "last pull" that sounds like they never pull your score after the first time. I'm confused.

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No, what BBS means is "last" as in "most recent". That is, in my case with my most recent unsuccessful CLI, Discover likely based it in part on their February 28th soft pull of my TU score. Remember, they do a soft pull once a month and post it for you if you're signed up for it, and they use that as a data point in CLI decisions (though they do ask if you will allow them to do HP's when you request a CLI).

[stinastina]

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@Anonymouswrote:

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@stinastinawrote:

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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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I don't understand.  If they base it on the "last pull" that sounds like they never pull your score after the first time. I'm confused.

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No, what BBS means is "last" as in "most recent". That is, in my case with my most recent unsuccessful CLI, Discover likely based it in part on their February 28th soft pull of my TU score. Remember, they do a soft pull once a month and post it for you if you're signed up for it, and they use that as a data point in CLI decisions (though they do ask if you will allow them to do HP's when you request a CLI).

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I had no idea they do that every month. I just got my card last week. Thanks for the clarificatio.

[Anonymous]

Any lender that provides you with a monthly score (Discover gives you TU FICO 08) will be pulling your report at that time.  It's always smart to wait until after that point in time passes assuming your profile is strengthening so that they have the best data to go off of.

My old Discover game plan was to request a CLI the first Monday of the month following their monthly pull, which usually happened right about the 1st of the month +/- a day or two.

[Anonymous]

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@Anonymouswrote:

Any lender that provides you with a monthly score (Discover gives you TU FICO 08) will be pulling your report at that time.  It's always smart to wait until after that point in time passes assuming your profile is strengthening so that they have the best data to go off of.

My old Discover game plan was to request a CLI the first Monday of the month following their monthly pull, which usually happened right about the 1st of the month +/- a day or two.

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The date on my own Disco TU pulls generally indicates the last day of the month, which may or may not be precisely accurate (the last day of March is a Saturday). I generally have been waiting until the statement cuts to request a CLI, but maybe that's letting it run too long? My older Discover IT has its payment due date on the 2nd of the month and my new card comes due on the 20th.

[Anonymous]

It's been 2 days since my CLI attempt. Nothing there.

[bizarrocreditworld]

Just wasted a few minutes of my time with a "credit analyst" who basically ran the usual "insufficent time with this credit limit" garbage. I wanted him to explain how my wife gets a much larger SL and a CLI after 60 days that is almost the size of my CL even though I've had my card longer and I have better FICO scores. He couldn't say anything except "everybody's credit profile is different". I pointed out that my credit profile is much better than hers (she has one baddie on Experian and multiple 30, 60, and 90 day lates. I have nothing).

I found it insulting to say the least. Into the sock drawer it goes!

[Anonymous]

He/She was correct. Every profile is different and the way they conclude who gets how much will always be a puzzle to me. Sorry! It is what it is.

[Anonymous]

$300 for first CLI.

3rd statement cut.

2 day manual review notice.
52% Utilization which was the highest it's ever been and the statement cut.

New limit: $1,300.

[Anonymous]

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@bizarrocreditworldJust wasted a few minutes of my time with a "credit analyst" who basically ran the usual "insufficent time with this credit limit" garbage. I wanted him to explain how my wife gets a much larger SL and a CLI after 60 days that is almost the size of my CL even though I've had my card longer and I have better FICO scores. He couldn't say anything except "everybody's credit profile is different". I pointed out that my credit profile is much better than hers (she has one baddie on Experian and multiple 30, 60, and 90 day lates. I have nothing).

I found it insulting to say the least. Into the sock drawer it goes!

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When it comes to lenders (and definitely Discover) better isn't always better.  Sometimes their target customer is someone that is a little more risky, but the additional reward (profit) outweighs the additional risk.