Ok so I did a cli online on Tuesday got the 5-7 day notice, called and was denied when I called recon. However the analyst said once I had one of my tl's removed I would most likely get the cli. I was successful in having 3 tls removed and my TU score has updated to 682. When I call recon should I ask to PC or should I ask for 5k cli? (Background Info: 2 baddies left on TU cr totally 1k, I PIF every month, no lates, was 123 Cash Rewards Secured card that graduated from $300 to $500 in November after 9 months) I don't want 5k....yes I do....but I don't want to lowball myself seeing as this will be a second HP.
Started from the bottom, now I'm here: 4/20/15: EX-674 TU 704 EQ-677 TU-Clean...EQ & EX-1 Paid Collections & 1 Judgement T minus 4 months until Operation EE!! Goal: 750 Across the board! AMEX Approved! Living in the Garden
If recon told you it would be good and you were seeking a CLI at the time
My Vote = CLI
Before you app think... Have you done your research of the CC? Does it fit your spending? Do you have a plan for the bonus w/o going into debt? Can you afford the AF? Do you know the cards benefits? Is it worth the HP?