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
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