03-20-2012 09:19 PM
I requested a CLI not that long ago and was given the dreaded, "Your request is under review, we will send you a letter through mail with our response." I just received the letter and was denied the increase. They stated in the letter that the reason why I was denied was because of my debt utilization and that the number of inquiries I had was too high. They also pulled my Experian, which is the lowest of my scores. My credit report was recently updated, a few of my inquires have dropped; my debt utilization has also decreased. Is it a good idea to call the backdoor number and ask for a recon, since a few things have changed in my report?
03-21-2012 07:10 AM - edited 03-21-2012 07:11 AM
I was also denied a cli with BBRZMC in which was a hard pull on my eq which I definitely then called the backdoor number of hsbc from the sticky thread this forum offers, after speaking with the rep she asked what I was looking for I said $1,500 I only was granted $500.00, also they used the same report that was pulled for the 1st request which was good. But I would call if I was you do not let that hard pull go to waste if you can help it. Good Luck
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.