I was fully expecting the 7-10 message, but got an instant 3x cli on my only amex. I read all the posts about irs forms, etc and definitely expected the 7-10 message, income verification, and probably a counter offer. I am shocked. I needed to post this so others can see the 25k, 34k, 40% stuff are not hard and fast rules.
My stats:
<80k annual income
>400k gross business revenue
815-830 FICO
pif every month, about 5% utilization reporting
Original CL $15.5k Instant approval to $46.5
2 years ago I came here without credit and a score in the 500s. Thanks to this place, I learned how to manage my finances in a way that makes lenders happy. Appreciate this forum and trying to give back some info to help others
| Request a Line of Credit Increase | | | Congratulations!
Your request to increase your line of credit to $46,500 has been approved and will be available for use within 15 minutes. |
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Starting Score: 580 2/03/12
Current Score: 810 EQ // 829 TU(Walmart)
Goal Score: Achieved!
Wallet: Citi Forward(13.5k), Ink plus(18k), CSP(13.5k), Freedom(6k), BoA123(13k), Alliant CU(5k), Walmart(2k), Kohls(1.4k), QuickSIlver(7.5k) Amex Simplycash Business(46.5k)
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
