Just for curiosity sakes does Discover give CLI voluntarily or do you have to request one and if so would it be a hard pull or if voluntarily would that be a soft pull?. How long might a person wait before considering this 6 mos 12 mos from account opening etc.
Thanks guys for the information I was thinking that you have to ask for CLI and that it would result in a hard pull. Well for now will just sit tight and let the first INQ age first. Good stuff though!!!!!
Thanks for the info I was considering hitting them with some big payments for say 6 mos or so by then will have 12 mos of solid payments along with some age. maybe that will do the trick would be nice!!!!
Yes it definitely will make sure you dont miss your payments though! Depending on your balance I would send like 100-200 or maybe more for like 6 months and then ask for a cli! how long have you had it for?
just passed 6 months or not quite been 6 months yet? usually I believe they will give auto cli after 6 months maybe wait till 7th statement and ask for cli. I fyou dont mind me asking what is your limit and also any late pays at all?
I just got an auto CLI of $1,100.00 from Discover. I don't know if they did a hard pull or soft, since I'm not going to pay for more credit reports, but since I didn't ask for the CLI, I'm hoping it was a soft pull.
4/16/09: TU: 775, EQ: 805 2/11/09: TU: 773, EQ: 790, EX:790 11/16/08: TU: 773, EQ: 785, EX: 780 Goals for 2009: 0 Credit Card Debt & 0% Util (achieved 2/6/09), Mortgage! (achieved 11/2/09), getting closer to 800 scores (I crossed this earlier this year, but I'm sure I'm not there anymore!)