11-04-2008 11:54 AM
11-18-2008 06:42 AM
11-20-2008 08:05 AM
I am really excited with such quick results!!
I have called Orchard Bank numerous times using number on back of card only to be DENIED a CLI. I have good payment history, but I just thought since this was a junk card I would never get more.
After being on the phone for maybe three minutes I got my CLI from 320 to 720!! I am so excited. These numbers really worked!
Thank you Myfico.
PS my scores are still in mid 500's, but I'm on my way up!
12-11-2008 06:15 PM
Wahoo! Thanks to this board and the backdoor number (9939) at CapOne, I just got a $500 increase before my Credit Steps kicks in. I literally did a little happy dance in my living room.
Details: $1500 limit (now $2000), 2 statements cut, made third payment, it cleared, then the phone call.
01-07-2009 07:57 AM
01-15-2009 10:47 AM
WOW! Thanks for the backdoor numbers.
My Emigrant Direct (Juniper Bank) MC credit limit was decreased from $1500. to $500. for no apparent reason. Called the regular number and was told it was due to lack of use, and that it was "an irreversible bank decision". (t Now there's an interesting term considering the current economic climate!)
Called the "credit analyst" backdoor number you provided, and spoke with an RLHB (Real Live Human Being), who asked me a few questions, and ran an authorized hard pull. After less than one minute on hold, the Rep notified me of a credit reconsideration. New CL...$7,500!!!
01-27-2009 06:49 AM
Split goingforadream's post off to form its own thread in CC's - new title: "No luck reversing Juni CLD via Backdoor Number".
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.