09-02-2012 09:03 AM
I have an app with Amex that is currently pending, I'm told that it will likely be decided upon this Tuesday. Here are my questions:
1.) Is this a stupid time to ask for a CLI on my BoA card? It's my lowest CL.
2.) Will a CLI with BoA and Citi be a hard or soft pull?
Thanks in advance for any answers you might have!
09-02-2012 09:06 AM
I would determine if it was the righ time to aske for a CLI based on how long it has been since my last CLI, nothing else.
I would also take into consideration how much my reports have improved, just in case they are HP's for the CLI. No sense in taking an INQ for 500.00 bump if my score hasnt changed much.
09-02-2012 09:07 AM
09-02-2012 12:21 PM
Well, Amex HPed me on 8-27 for the Delta Skymiles card--does this mean they won't HP me for the BCP?
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO