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I take back all the bad things I said about disco...

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Established Member

I take back all the bad things I said about disco...

I think it was April last year when I was approved for discover it with a low 600 score, SL of 1800.

3 months later, auto cli to 2000. Another couple cli's of 100 a piece to end up at 2300. That has been my SL for about a year, despite hitting the luv button every couple weeks with nothing but rejections.

Mind you, I PIF every month, I've never paid a penny in interest.

Well, last week I log in to get my monthly denial, and instead I got taken to a screen I had never seen before. I was given a 3000 cli, taking me from 2300 to 5300. I was a bit shocked...I never expected to more than double my SL.

Long story short, handle your business, and be patient. It will come eventually...although some of us take longer than others.

Additional data points: I started my rebuild at 585 I think, this was in dec of 17. Got a qs1 at 300, 3 month cli to 400. April I got the disco. This past march i got delta amex gold, both personal and business.

This month my TU FICO is 678, Ex FICO is 658.
Message 1 of 13
12 REPLIES 12
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Community Leader
Senior Contributor

Re: I take back all the bad things I said about disco...

Congrats on the huge CLI! Disco is great

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Best Buy Visa: 3k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 2 of 13
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Valued Contributor

Re: I take back all the bad things I said about disco...

Nice!!! Congrats on a very nice increase! I’m waiting for that day myself...




Message 3 of 13
Highlighted
Valued Contributor

Re: I take back all the bad things I said about disco...

Congrats on the Disco CLI and good job on the rebuild!




Message 4 of 13
Highlighted
Valued Contributor

Re: I take back all the bad things I said about disco...

Congrats on a killer CLI!!
Message 5 of 13
Highlighted
Valued Contributor

Re: I take back all the bad things I said about disco...

Congrats! That's pretty impressive. 

 

My 3rd statement cut a few days ago and I tried for CLI, but it was a no go. Oh well...

July 2020
Experian Fico 8. 707
Transunion Fico 8. 705
Equifax Fico 8. 724

Capital one QS1. $2450
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $17,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

Amex Hilton Honors $1000
Citi Rewards $3900
Message 6 of 13
Highlighted
Community Leader
Super Contributor

Re: I take back all the bad things I said about disco...


@JustinH85 wrote:
I think it was April last year when I was approved for discover it with a low 600 score, SL of 1800.

3 months later, auto cli to 2000. Another couple cli's of 100 a piece to end up at 2300. That has been my SL for about a year, despite hitting the luv button every couple weeks with nothing but rejections.

Mind you, I PIF every month, I've never paid a penny in interest.

Well, last week I log in to get my monthly denial, and instead I got taken to a screen I had never seen before. I was given a 3000 cli, taking me from 2300 to 5300. I was a bit shocked...I never expected to more than double my SL.

Long story short, handle your business, and be patient. It will come eventually...although some of us take longer than others.

Additional data points: I started my rebuild at 585 I think, this was in dec of 17. Got a qs1 at 300, 3 month cli to 400. April I got the disco. This past march i got delta amex gold, both personal and business.

This month my TU FICO is 678, Ex FICO is 658.

A huge congratulations to you!!!

But the real question is--did you DD? If no, call and request a DD?


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 7 of 13
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Moderator Emeritus

Re: I take back all the bad things I said about disco...

JustinH85 great CLI! You proved slow but sure through patience can work. Got'ta feel good about your CL now! Smiley Happy

Starting Score: 300
Current Score: 850
Goal Score: 850


Take the myFICO Fitness Challenge
Message 8 of 13
Highlighted
Established Member

Re: I take back all the bad things I said about disco...

Well, I was in such a shock I completely forgot about the double dip, so I didnt call.
Message 9 of 13
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Senior Contributor

Re: I take back all the bad things I said about disco...


@JustinH85 


Something I noticed about Disco and Cap1....(don't have any other major bank) but comparing to Synch that is, is that you can ask for more credit/money$ til you turn blue in the face but with Synch (somebody chime in to confirm it's just not me) if you ask too soon, or too many times they take the darned cli button away from you. (like a mean daycare worker)  Gotta luv Disco for putting up with usHeart




Starting Score: 680
Current Score: 786
Goal Score: 850


Take the myFICO Fitness Challenge

”MY TAKE HOME PAY DON’T TAKE ME HOME”
Message 10 of 13
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