11-26-2012 08:03 PM - edited 11-26-2012 08:07 PM
T+11 days and counting. On 11/15 I was eligible for 61 day 3x CLI request on my AMEX Delta card. Its getting to sound like a broken record but AMEX hasn't updated their SP of me yet. The last one was 10/18 and the actual review was 10/27. CSR said they would do one once a month on new account. Well, its been a month go ahead and SP me already!
I'm going to have non-optimal utilization reporting next month (holidays) and new NFCU cc reports around 12/9. I want to ask for CLI before 12/6. My EX score is around 700 on AMEX last report but its actually probably closer to 720 with updated UTIL. (I know this post is repetitive of my earlier posts, but Im getting so close to saying what the hell and requesting it anyways!)
11-26-2012 08:35 PM
11-26-2012 08:47 PM
Where do you check to see if CC company soft pull you ???
11-26-2012 08:53 PM
12-29-2012 07:18 AM
Just to update. There is no logic to their SP's. I went 2 months between pulls while I was waiting to 3xCLI request. Recently, on Nov 30 they SP'd EX and on Dec 16 they did it again (AMEX Account Review). Its possible that the other SP was for marketing and the last one for account review only. I have SP's on my EX report under three different AMEX alias.
Who knows with them?
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.