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Decent Discover CLI

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Anonymous
Not applicable

Decent Discover CLI

DW and I have been saving for the last 9 month to buy a house. Part of my plan was to use our CC's a little more to have as much saved as possible. As a result our overall avg UTI went from 9% to 13%, which dropped our scores by 12 - 24 on the various scoring models. So I just requested a CLI from all cards and got some flat out denials and some are in review. Discover DW approved her for a 2K increase, 13.5K to 15.5K. Not bad, should help get our UTI to get back under 10%

 

Tried my Discover and they wanted to pull my credit so I kindly canceled the requestSmiley LOL

Does anyone know if that is a hard or soft pull if Discover ask to pull your credit?

12 REPLIES 12
AllZero
Mega Contributor

Re: Decent Discover CLI

Congratulations on DW CLI!

To my understanding, Discover is SP CLI request.
Message 2 of 13
mrcraft
Valued Contributor

Re: Decent Discover CLI

Congratulations on your CLI!!



Message 3 of 13
Anonymous
Not applicable

Re: Decent Discover CLI

@Anonymous Congrats on the cli! It should be a soft pull, but there is always a chance for a hard pull. Generally, they will ask you for permission before performing a hard pull.

 

Maybe call in to ask to see if you have any offers/promos?

Message 4 of 13
Openwater
Established Contributor

Re: Decent Discover CLI

Congrats on DW CLI, cheers!




Discover 22K ---------------------------- Credit Union MC 17K
Cap1 QS 11K ---------------------------- Barclay 3.4K
AMEX Blue Cash AU 15.5K ------ Barclay Apple AU 10K
AMEX BCP 15K
1 Installment loans:
Auto 60K /

AMEX Hilton Aspire 25K
Vantage 3.0: TU:738 EQ: 737 03-17-2020
Ch. 7 DC 12/2014
Message 5 of 13
Anonymous
Not applicable

Re: Decent Discover CLI

Good increase!  Interesting that they wanted to HP you for a CLI though.  I've done probably 100 CLI requests with Discover and never once did I see any HP language.

Message 6 of 13
gdale6
Moderator Emeritus

Re: Decent Discover CLI

Grats on your DWs approval Smiley Happy

 

They want to do an HP. SP CLI is what your DW got.

Message 7 of 13
M_Smart007
Legendary Contributor

Re: Decent Discover CLI

Congratulations!

Message 8 of 13
dudefromtx
Established Contributor

Re: Decent Discover CLI

Congrats on DW CLI!

Message 9 of 13
cashorcharge
Community Leader
Senior Contributor

Re: Decent Discover CLI

That's great!  Congratulations on your approval!

Message 10 of 13
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