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So, I'm planning to refi my mortgage in about June. I've been bringing my utilization down over the last few months since that and new accounts is what is hurting the most right now (I did an app spree at the end of May last year that this card was part of). I've been pulling FAKO scores in the mid 600's for TU and low 600's for EQ (I haven't bothered checking EX in a few months). Today I decided to ask Cap One for an increase and got a 33% on one of my cards with them putting it up to 2k. Then I searched around for Discover to see if they do a hard or soft pull. I found that they do a soft and tried that. No love. I called back for a recon and talked to a wonderful lady in their SLC office, which on a side note is not far from where I live. We talked for a few minutes and she said that they would have to do a hard pull and for a CLI she said they must pull TU. Since TU is usually my highest I was silently jumping for joy while I pretended to be deep in thought about having another hard pull.

 

I let her pull my credit and we talked about the old bad item showing (TU shows an old judgement that is paid and I have been too lazy to dispute properly b/c I've only disputed it online). So, I asked for an increase to 5k, the account started with 3 and I have over a 90% util on that card. She asked why I wanted the CLI and what I would use it for. I told her I didn't plan to use it as I just want to lower my utilization so I can have an easier time with a refi. She ran the numbers and didn't even ask about income directly, which when you take just my income instead of mine combined with my GF my debt looks higher than it is. She instead wanted to know that my employment was stable, asked about layoffs, my company is a software company and they do really well so that isn't an issue here.

 

After placing me on hold a few times she came back and said they approved me for 10K. I've never had anyone give me more than I asked for until today. So, when I got the card it had the highest limit (although only for a few days when I got one from Matress Firm but I'm not really counting store cards). And now there is no question since it is so much higher than my other cards.

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Thanks. I owe a lot to the knowledge I've gained from reading this forum. I don't post much but I read a ton. Which is why that came out as a giant block of text rather than the nice formatting I typed it as. Am I missing formatting buttons by using chrome b/c basically all the spacing I put in is gone and I don't see a way to fix it.

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