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The biggest drag right now on our credit scores is high utilization. Especially my husbands, which he got into a cycle of overlimit charges, pay the minimum, the first of the month it's back overline due to the charges. ugh!
He has a very low limit Cap1 card and a slightly higher HSBC one. Any idea what it would take to increase the limits, preferably without a hard pull? We're looking to buy a house in a few months and a lower utilization would probably be the best way to bump the scores.
@Anonymous wrote:
From my understanding HSBC does not do a hard pull also it's just a soft.
@Anonymous wrote:
Nope, it's a hard pull to all 3 CRAs.
And only if you've had the account for over 6 months (from what I understand) will you have a shot at a CLI (HSBC isn't CLI-friendly). And if you DO get a CLI, chances are, you'll be charged $10 for it. :/
I received 2 CLI from Orchard in the past 3 months an there was NO hard pull not sure if there was evan a soft but i no there was not a hard i check my reports daily.
@Anonymous wrote:
@Anonymous wrote:
Nope, it's a hard pull to all 3 CRAs.
And only if you've had the account for over 6 months (from what I understand) will you have a shot at a CLI (HSBC isn't CLI-friendly). And if you DO get a CLI, chances are, you'll be charged $10 for it. :/I received 2 CLI from Orchard in the past 3 months an there was NO hard pull not sure if there was evan a soft but i no there was not a hard i check my reports daily.
Message Edited by mjbfan79 on 10-04-2008 03:53 PM
@Anonymous wrote:
We both asked for a CLI about a month ago (just got the "Sorry, no CLI for you right now" letter just a week ago) and they harded us both on all 3 CRAs. Didn't even get the frickin' CLI for the hard.
Can't be too irritated, though ... they DID warn us it'd involve a pull.
Of course, ours are fairly new accounts, so that might be it. I dunno.
Maybe thats something new there doing cause my increases has never resulted in a hard pull.