cancel
Showing results for 
Search instead for 
Did you mean: 

CLI

Frequent Contributor

CLI

When you apply ask your CC company for a CLI `does that hurt your FICO score?


Starting Score: 576
Current Score: 724
Goal Score: 850

Take the FICO Fitness Challenge
Message 1 of 5
4 REPLIES
Super Contributor

Re: CLI

In most cases you will get one or possibly two inqs hit your score - could drop a few points depending how many inqs you have on at the moment.
 
When you get the card, your util might well go down - good.
 
 
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 2 of 5
Frequent Contributor

Re: CLI

Thanks! But I meant
When you ask your CC company for a CLI does that hurt your FICO score? I've had the card for about 5 months.


Starting Score: 576
Current Score: 724
Goal Score: 850

Take the FICO Fitness Challenge
Message 3 of 5
Super Contributor

Re: CLI



credit4me wrote:
Thanks! But I meant
When you ask your CC company for a CLI does that hurt your FICO score? I've had the card for about 5 months.


Same answer  Smiley Very Happy.  When you ask them (and 6 months is better) they will probably pull a hard inq and this will go on your CR
The slide from grace is really more like gliding
And I've found the trick is not to stop the sliding
But to find a graceful way of staying slid
Message 4 of 5
Moderator Emeritus

Re: CLI



credit4me wrote:
When you apply ask your CC company for a CLI `does that hurt your FICO score?


Ask your CCC if they are going to pull a hard inquiry if you request a CLI. Some CCC's do and other don't. If they say no hard inquiry, then request the CLI. I have never heard of a CLI without a hard inquiry hurting FICO scores. Which CCC are we talking about?
Message 5 of 5