Did I short myself with AMEX?

[tonyjones]

wow with two baddies your scores are in the 740's damn

[nvrgvupnvrsrndr]

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@tonyjones wrote:

wow with two baddies your scores are in the 740's damn

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Two baddies?  Only one.  Paid/satisfied judgement that is 4 years old but has been paid off for 2 years.

[tonyjones]

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@nvrgvupnvrsrndr wrote:

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@tonyjones wrote:

wow with two baddies your scores are in the 740's damn

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Two baddies?  Only one.  Paid/satisfied judgement that is 4 years old but has been paid off for 2 years.

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ah read it wrong still. I thought with any derogs/baddies yours scores couldn't go above 700, I guess that theory is out the roof ha

[nvrgvupnvrsrndr]

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@nvrgvupnvrsrndr wrote:

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@Creditaddict wrote:

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@nvrgvupnvrsrndr wrote:

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@Creditaddict wrote:

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@nvrgvupnvrsrndr wrote:

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@Creditaddict wrote:

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@nvrgvupnvrsrndr wrote:

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@Creditaddict wrote:

YES you shorted yoruself... the good news is you can go back and request again for what should have been roughly $24k request... go go go.

Amex is ALWAYS sp for cli and the system will counter you if you ask for to much!

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Is this a given?  I figured that if I had just requested a CLI yesterday I would receive a cookie cutter response like "too soon since your last increase" or "not enough experience at your current CL".  Are you pretty sure about this?

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yes... you are not the first to short themselves much more than amex wanted to give!

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Do I have to call in or would it be better to use the automated "Request for Increase" found on-line?  If the on-line option is available is it better to use it?

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it doesn't matter but I prefer to do online if it is working vs calling where I have to rely on someone else typing the correct information.

I think you can do automated phone also without talking to someone.

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So...given the substantial(sorry but thought is was necessary to understand my situation) info I provided, what amount should I ask for?

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$25k

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OK.  I'll let you know shortly how it went.

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No cigar.  Got the dreaded "you were just increased" and "need to wait 30 days before requesting another CLI."  I was given a phone number to call if I have questions.  Should I call the phone number?  Is there any chance of getting another CLI by taliking with someone without it being a hard pull?

[racer-x]

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@tonyjones wrote:

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@nvrgvupnvrsrndr wrote:

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@tonyjones wrote:

wow with two baddies your scores are in the 740's damn

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Two baddies?  Only one.  Paid/satisfied judgement that is 4 years old but has been paid off for 2 years.

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ah read it wrong still. I thought with any derogs/baddies yours scores couldn't go above 700, I guess that theory is out the roof ha

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700's with a derog or two is pretty common.  Depends on the age of the derogs more than anything of course.  I have a 4.5 yr old paid collection ($165 utility bill) and have 700's.  I have a FAT file, but THIN at the same time if that makes any sense.

[nvrgvupnvrsrndr]

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@tonyjones wrote:

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@nvrgvupnvrsrndr wrote:

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@tonyjones wrote:

wow with two baddies your scores are in the 740's damn

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Two baddies?  Only one.  Paid/satisfied judgement that is 4 years old but has been paid off for 2 years.

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ah read it wrong still. I thought with any derogs/baddies yours scores couldn't go above 700, I guess that theory is out the roof ha

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Not sure if that applies to everyone but I've been over a 700 again for over a year regardless of FICO score pulled(bank model, CC model, auto model) or credit bureau it was pulled from.

[nvrgvupnvrsrndr]

Anyway, we kinda side stepped my question.  Anyone have any advice on whether or not I should call or is it a waste of time?

[racer-x]

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@nvrgvupnvrsrndr wrote:

Anyway, we kinda side stepped my question.  Anyone have any advice on whether or not I should call or is it a waste of time?

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IDK, I live vicariously through others when it comes to AMEX.  I have the PRG charger, and $15.1k BCP and I leave the AMEX gawds alone.

[redbeard]

Odds are, its a waste of time.  Wait the 30 days, the sky will not fall in the meantime.  If it does, well, I guess I was wrong.

Dan

[elim]

i would call and ask them what you might do to change the amount of your requested CLI. (utilization will still be an issue at that limit, or whatever)

edit: lol i just saw your nick is "never give up never surrender" so you gotta call!