@Anonymous wrote:Bears... Sorry just reread your post...
YES, it was a refi at my credit union.. they paid the cards directly... so 1st thing reporting was my NEW LOAN, then the old loan being paid off.... The cards that are being reported are coming in slowly... so far only 4k of the 12k has reported...
Your question:
Did you allow the cards that you paid off to report before the CLI request? No !!! And that was a huge mistake on my part :-( I got ahead of myself.. Wanted to see if I could get at least 1k bump so I could close 2 junk cards.... Just complete misfiring on my part...
I want to add that I am sorry that you experienced this but I think that you are handling it beautifully. The great thing about the credit game is that time heals. I am sure you will get that line back and more by Spring 
@Anonymous wrote:It's been 3 years since i had a 30 day late on my old car note...Had a bad stretch during a hosptilization... Everything else is fine.. I had some bad stuff drop off, but i had a closed account in 2013 at end of marriage... Small 700 amazon account,,, Out of nowhere about 6 months an old cable bill jumped on my credit in collection from 2015... I had it removed from TU,, but it is in the works of being removed from EQ and EX... It was not my account.. Somehow a 3rd party aquired after fighting it for almost a year and getting it removed in 2016...
A lot of the accounts I have now are just now 2 years old... I would say about 70% of them... Did not start rebuilding until Sept of 2016...
OP, congrats on taking a clear eyed view to your situation. It sounds like you have a good plan to move forward to get your interest costs and debts under control.
My opinion on CLD is, if I have high utilization ( which I did ) certain banks will just decide, through their risk algorithm, that my accounts need to be CLD. There's no notice that is sent out that they think this, but as soon as you pay down an account, making room with "available credit", the algorithm will spring into action, and reduce the CL, reduce the "availabile credit" to reduce the bank risk. In my case, this happened periodically as accounts were paid down according to terms. In your case, the timing with the other loan is just coincidence; had you simply paid down the account, they would have reduced your limit ( balance chased ) right along behind. There's really nothing to be done for the moment.
Give it time. Use the accounts up to their limits as long as it is part of a Pay In Full monthly pattern. The utilization will be high on the cards, but for the time being all you are trying to do is pay on time and get debts paid down. No point in applying for anything else for the next year.
In time, things will improve and your Discover limit will begin to rise again.
It sounds like you're doing things right OP... Even if your lenders don't see it right away. Consolidating debt to a lower interest rate in order to make larger payments is a smart move and in the end, Discover is known to bounce back after a dip in scores. Just realize Discover only knows what they see on your reports, and that high UTL along with a new auto loan and the blemishes on your reports is sketchy on appearances. Try writing goodwill letters to remove any negatives in the mean time, while paying down your UTL and your scores should rebound nicely.
Footnote: Discover has been an odd duck lately. Beyond the OP's CLD, they have been asking for some bizzare 4506-T's. I'm wondering if Discover has had a recent uptick in charge offs, and they're trying to get things under control with some UW adjustments.
@ChargedUp wrote:Footnote: Discover has been an odd duck lately. Beyond the OP's CLD, they have been asking for some bizzare 4506-T's. I'm wondering if Discover has had a recent uptick in charge offs, and they're trying to get things under control with some UW adjustments.
I have noticed a few 4506-T claims from AMEX as well.
@SoCalifornia wrote:
@ChargedUp wrote:Footnote: Discover has been an odd duck lately. Beyond the OP's CLD, they have been asking for some bizzare 4506-T's. I'm wondering if Discover has had a recent uptick in charge offs, and they're trying to get things under control with some UW adjustments.
I have noticed a few 4506-T claims from AMEX as well.
When Amex wants a 4506-T, it's usually someone looking to break the $40K mark or over some massive spend on a charge card with someone reporting pretty low income.
Discover did it to someone over a $2000 SECURED card and a few other low limit cards!