I saw a post of somebody getting CLI after a month. Since it has been slightly more than 2 months I am getting Disco CLI, why not? 2 months ago, Disco Fico 8 was 751 and now it is 755. Disco Fico 8 TU on file is 757 which is more than the current actual score. I believe my Fico 8 would increased this month again but I don't want to wait until 2/18/2021 for the new refreshed score.
03/26/2020, TU Fico 8 713
Discover CLI 10800 + 1500 = 12300
11/23/2020, Tu Fico 8 751 (from Disco)
Discover CLI 12300 + 2000 = 14300
2/1/2020, TU Fico 8 757 (from Disco) but in fact is 755 as of today.
Discover CLI 14300 + 1500 = 15800
The last 2 years Inquiries
6 HP on EQ, 3 HP from 2019. 2 will drop at the end of this month and 1 on Aug 2021. 3 left until 2022
4 HP on TU from 2019 will drop at the end of this month and first week of March. 0 left
2 HP on EX from 2020 2 left until 2022
I want to ask for CLI on Amex ED but Amex Experian on file Fico 8 score is still 739 and not updated yet. Once it is updated I will try to apply for it. Unlike some, I never got a chance to follow the 3X CLI Amex formula. I will wait for another 2 months and apply for another Disco CLI
The point I wanted to make is, don't simply rely on the current updated Fico scores you have. Sometimes the credit card companies simply refer to the credit scores from their own system and not updated on time. I happened to read a lot of cases like this. Please correct me if I am wrong but that is what I am seeing now.
