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I have not gotten any CLIs from Discover since I opened the card over a year and a half ago then did a HP CLI about two months after. Each time they want to do a HP now. I've been looking at the TU report I pulled back in July. Of the three inquiries I have on TU, two are from Discover (one from opening the account, other from the HP CLI I requested two months in - the third one is from my apartment's management company). The only soft pulls I have on TU are from Discover, my auto insurance company, and from free monitoring services. I looked at the credit pulls database and the only big creditors that routinely pull TU in my state are Barclays and Capital One. I don't plan on opening any cards with them. Do you guys think it would be fine for me to go ahead and let Discover do a hard pull since they're the only creditor that looks at TU?
I thought Discover only pulls EQ? I have three of their pulls with three denials. Do they switch and use TU for credit limit increases or does this depend on where in the country you are?
@CH-7-Mission-Accomplished wrote:I thought Discover only pulls EQ? I have three of their pulls with three denials. Do they switch and use TU for credit limit increases or does this depend on where in the country you are?
I think it depends on where you live, both hard pulls from them have been TU for me.
You can find statistic on which bureau(s) creditors pull on the web. It is based on your location. Google credit pulls database.
@alkaline wrote:I have not gotten any CLIs from Discover since I opened the card over a year and a half ago then did a HP CLI about two months after. Each time they want to do a HP now. I've been looking at the TU report I pulled back in July. Of the three inquiries I have on TU, two are from Discover (one from opening the account, other from the HP CLI I requested two months in - the third one is from my apartment's management company). The only soft pulls I have on TU are from Discover, my auto insurance company, and from free monitoring services. I looked at the credit pulls database and the only big creditors that routinely pull TU in my state are Barclays and Capital One. I don't plan on opening any cards with them. Do you guys think it would be fine for me to go ahead and let Discover do a hard pull since they're the only creditor that looks at TU?
It depends how you feel about it, worse case it's another denial and wasted HP. In recent months, they're more amenable to SP CLI, so I'd have all 3 frozen upon request and let them lick it, as in-no thanks on a 3rd HP at the moment.
@alkaline wrote:I have not gotten any CLIs from Discover since I opened the card over a year and a half ago then did a HP CLI about two months after. Each time they want to do a HP now. I've been looking at the TU report I pulled back in July. Of the three inquiries I have on TU, two are from Discover (one from opening the account, other from the HP CLI I requested two months in - the third one is from my apartment's management company). The only soft pulls I have on TU are from Discover, my auto insurance company, and from free monitoring services. I looked at the credit pulls database and the only big creditors that routinely pull TU in my state are Barclays and Capital One. I don't plan on opening any cards with them. Do you guys think it would be fine for me to go ahead and let Discover do a hard pull since they're the only creditor that looks at TU?
I feel your pain, both my DW and I have the same problem, always ask for HP. I don't know what to do. Now Discover is our lowest limit card. At least they gave us auto-CLI 4 months ago. I'm trying for CLI at least twice a month. I PIF mine, DW started using the 0% promo, let's see if that makes any difference.
I hope you can get a good CLI if you decide to use the HP. Good luck.
I took a HP once from them for a CLI and even had to speak with an analyst after I was denied to get a recon. I had the card for about a year or so at that time. When I spoke with the analyst she approved me for an increase of $4000 and basically told me I left something on the table, but that she could only give me what I asked for. Ever since then it has always been an offer to do so with a HP, so I decline, except the last time I asked. The last time I asked about a month or two ago and they gave another $1500 with a SP.