Cli Question

[Jayb5635]

Hey guys, just wondering whenever I call to request a cli for a card, should I make sure my reports are clean of say inquiries ???

[dddewdrop]

     Inquires are not a big deal as long as they don't get out of hand. Those that have been on your report over 1 year will not contribute to your fico score, and inquiries over 6 months old weigh less on your score. Your reports will show record of hard inquires for a maximum of 2 years from the date that the inquires were made.  Generally, number of inquiries should not be a determining factor when it comes to requesting a CLI or not. You may have a higher score if you wait for them to fall off but the difference will probably be very small. 

    Requesting a CLI may add a hard inquiry to your credit report. Different companies have different policies regarding this. Some soft pull, some hard pull. 

[Jayb5635]

Ah ok. I'ma request one for my chase freedom and also my barclays rewards mc.