Haha, yeah, I've called Discover and asked them a few times about the cli secret and they won't tell me. They also state that they are not allowed to give advice and refer me to seek out a credit counselor if I felt I needed it, lol. (I don't need counseling, just the "magic cli bullet".)
I think they do it like PenFed does approvals. Monkeys and a dart board.
....oops, delete my comeback (not nice) Isn't there a thread about Discover and datapoints on here somewhere?
"My Take Home Pay Don't Take Me Home" Amex Blue Business Cash; Lowe's Rewards BB&T SpectrumCR Capital One Savor; Venture; Spark CitiBank Staples More; Home Depot Comenity GoodSamsVS Discover Cash Back; Chrome Synchrony AmazonNet55; CareCredit; Lowe's Adv & Pro's Synovus LOC [Total Open: 185.2k] [Total Closed reporting: 156,823k] EXP 720, EQ 744, TU 736