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Amex BCP 61 day CLI Score!

Valued Contributor

Re: Amex BCP 61 day CLI Score!

I wouldn't worry about an FR.  It sounds as your income supports the CL.  Congrats!

Message 11 of 24
Senior Contributor

Re: Amex BCP 61 day CLI Score!

Congrats!

 

I have to wait another 31 days, LOL!


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


Take the FICO Fitness Challenge
Message 12 of 24
Valued Contributor

Re: Amex BCP 61 day CLI Score!

Nice, congrats!  How much did you charge on your card monthly?

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Message 13 of 24
Established Member

Re: Amex BCP 61 day CLI Score!

I charged a total of about 4k over the 60 odd days......

Message 14 of 24
Blogger

Re: Amex BCP 61 day CLI Score!

I'll poke the beast in about 60 days.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 15 of 24
Highlighted
Mega Contributor

Re: Amex BCP 61 day CLI Score!


FrugalRican wrote:

I'll poke the beast in about 60 days.


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EQ FICO 548 3/3/16
Message 16 of 24
Blogger

Re: Amex BCP 61 day CLI Score!

And now we've come full circle LOL

Well played.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Message 17 of 24
Regular Contributor

Re: Amex BCP 61 day CLI Score!

i tried on Monday this week...and was declined Smiley Sad (with income well into the 100s).  caviat is I probably should have waited considered i just paid off the balance from our honeymoon this month, as well as PIF all our balances on all cc's (50% utilization > 0%).  I am hoping this puts things in a much better light Smiley Happy.  Do you know if i have to wait a specific amount of time post decline?

Message 18 of 24
Established Member

Re: Amex BCP 61 day CLI Score!

I've been told you can repoke the beast in 6 mos if declined from what I've read here......

 

As for poking the beast, its a soft pull so I see no reason why you shouldn't, I did have util that was good........one thing to remember in my eyes is that if you already have good util, by increasing the CL you will in reality droping your util again as if approved you will have more credit.

 

 

Message 19 of 24
Valued Contributor

Re: Amex BCP 61 day CLI Score!

Congratulations, that's an Awesome CLI!!


Starting Score: 583
Current Score: 3-03-12-EQ-802 TU-806 EX-798 (EQ Beacon 9: 804 Lender Pull 3-08-12) All FICO's
Goal Score: 800+ across all three

Take the FICO Fitness Challenge


Message 20 of 24