For some reason Amex does not want to give me a CLI.
I've had the account for over 3 months.
FICO Score 720 EX is the one they showed on Denial
Reasons:
Too many Inquiries (6 HP's which I don't feel is excessive). One of them is from Amex, one to open a checking account at a local CU, not a CC, another to request a CLI on a card and the other 3 were applications.
Too short account history - Oldest account 17 years AAOA 4.3 years. That's not too bad.
Number of Accounts Delinquent - 1 account with (2) 30 day late's from 2013, that was 4 years ago and it was not even a 60+ day late!
Balance too high on mortgage loan - I agree with this one, but I have a 1% UT overall aside from this mortgage loan...
Any advice for me at all? None of the inquiries will age past 12 months until August and that's a long ways away
I've tried requesting 3x and 2.5x CLI but always get 7-10 day message then a denial letter. They don't even counter with an extra 1k.
Current CL is 6.8k. FICO score when the account was opened was 670 I figured since the FICO went up and the UT went down (the reason it was 670 was high UT) I'd easily get a CLI.
I've had the account for over 3 months.
FICO Score 720 EX is the one they showed on Denial
Reasons:
Too many Inquiries (6 HP's which I don't feel is excessive). One of them is from Amex, one to open a checking account at a local CU, not a CC, another to request a CLI on a card and the other 3 were applications.
Too short account history - Oldest account 17 years AAOA 4.3 years. That's not too bad.
Number of Accounts Delinquent - 1 account with (2) 30 day late's from 2013, that was 4 years ago and it was not even a 60+ day late!
Balance too high on mortgage loan - I agree with this one, but I have a 1% UT overall aside from this mortgage loan...
Any advice for me at all? None of the inquiries will age past 12 months until August and that's a long ways away
I've tried requesting 3x and 2.5x CLI but always get 7-10 day message then a denial letter. They don't even counter with an extra 1k.Current CL is 6.8k. FICO score when the account was opened was 670 I figured since the FICO went up and the UT went down (the reason it was 670 was high UT) I'd easily get a CLI.