Credit Card Center Advertiser Disclosure

New Contributor
Posts: 69
Registered: ‎11-15-2007
0 Kudos

Backdoor Numbers Question

I tried to post this on the Backdoor Number board but it's locked... So if anyone knows how to move my message there, feel free!


My question is, for those of you who have tried to call the Backdoor numbers and have gotten a credit limit increase, do you know if they pull your credit score?  My fear is, I already have a lot of inquiries in the past two years, I'm worried that if they pull my credit report, it'll hurt my score.  However, if they raise my limit, I would think that would help my score... Double edged sword?  Just wondering!  



Starting Score (01/31): EQ: 495; TU: 552; EXP: 542
Current Score (09/02): EXP 724; TU: 710; EQ: 699
Goal Score:Over 750, PLEASE!! Smiley Happy

Take the FICO Fitness Challenge
Valued Contributor
Posts: 1,653
Registered: ‎06-09-2008
0 Kudos

Re: Backdoor Numbers Question

It really depends on the bank, some will make a soft inquiry into your CR, and others will insist on a hard pull.  Let us know what banks/cards you are looking for a CLI on and folks here can tell you what they usually do.  You can also ask on the phone before you make the request, but sometimes the CSR won't know the difference between a hard and a soft.


The only way increased limits will help your score is by decreasing your UTIL, so keep that in mind. 

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on 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.