Re: discover it soft or hard pull?

casi218 · ‎02-17-2014

Hello all,

I was just wondering if anyone knew if Discover it was a soft pull or hard pull when requesting an increase online. Thank you in advance!!

icloud2525 · ‎02-17-2014

Online it's soft at first, if they can't approve with soft they'll let you know and give you the opportunity to cancel the request before hard pull.

Chase Sapphire Reserve $32.5K, Amex BCP $20K, Amex PRG NPSL, Amex Hilton Surpass $13,500, Amex Hilton $16,200, Discover it $16,000, Citi TYP $18,900, US Bank Cash+ Visa Sig $12,000, Virgin Atlantic World Elite MC $13,100, Merrill+ Visa Sig $10,000, Fidelity Visa Sig $14,000, Barclay Cash Forward $16,500, Wells Fargo Rewards $12,500, Local CU $7000, Barclay Apple Rewards $5500, Chase Freedom $5000,-- EQ FICO 768, EX FICO 777, TU FICO 781

-Wade- · ‎02-17-2014

@casi218 wrote:
Hello all,
I was just wondering if anyone knew if Discover it was a soft pull or hard pull when requesting an increase online. Thank you in advance!!

They will let you know.... It will say we need to pull your report and you can decline, that means a HP

"Garden Club Member " Old user name newportguy*** Current Score: myFico EQ - 830 (07/16/2015) Discover TU Fico - 833 (09/03/2016) EX Fico - 839 ( 09/01/2016 ) ******* Amex - BCP 11.5K * Discover - IT 43.5 K * U.S. Bank Cash + Visa Signature 15.3 K * PenFed - Cash Rewards 15K *PenFed Power Cash 19K ** Amex - GDSM 10K ******FICO 800 Club Member ******* EQ 830 *** TU 833 *** EX 839 ***
****** Last HP & New TL was March 6th 2014 *** GOAL: No HP's or New TL's for 2 + years and 840's Scores ******

Happychap · ‎02-17-2014

This reminds me I'm due for a 6 mth cli via the luv button tomorrow

09Lexie · ‎02-17-2014

@Happychap wrote:
This reminds me I'm due for a 6 mth cli via the luv button tomorrow

Discover shortened it to every 3 mos last summer.

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Happychap · ‎02-18-2014

Every 3 mths ? What? Really?? 😳 I just tried now at the 6 mth mark and still no sp love!! 😁😣.. I'm at 15k at the moment is that the highest they go without hp? It would suck to get hp all the time from now on!!

H4LO · ‎02-18-2014

I broke the LUV button. So I'll have to call in to ask. lol

Total CL - 60K // Util. ~1.6%

772 TU - 6/5 ///// 705 EX - 5/5 ///// 664 EQ - 4/29

discover it soft or hard pull?

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discover it soft or hard pull?