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EQ is 716!

Frequent Contributor

EQ is 716!

I'm pretty sure this is the highest it's ever been since I've started tracking it last March. I'd like to do some things before it drops back down again (I've done some heavy spending in the last few weeks/months, I was in a wedding so I spent a lot across a few different cards). I'd really like to push for a CLI on my Chase Amazon, had the card since 2007 (maybe earlier) and I've never had an increase. Will this definitely result in an HP? I love the card, do a lot of shopping on Amazon and would like to see it grow. Anyone received an CLI from them?

 


In the Garden Club since: 07/05/2017


6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724
Message 1 of 14
13 REPLIES
Established Contributor

Re: EQ is 716!

I received an auto cli on my 4th or 5th statement but it was only $300 increase.  Yes, chase is hard pull if you request unless you can convince the executive office to do a soft pull.

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 2 of 14
Moderator Emeritus

Re: EQ is 716!

HP for customer initiated CLI.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 3 of 14
Frequent Contributor

Re: EQ is 716!

I have the Amazon Visa card from Chase, so it's not like the Amazon store card. I guess I could stand to lose some points with the HP.  I haven't had one since I applied for my MC card 6+ months ago.  I've seen some nice growth with my Discover card, receved two auto CLIs now from them.  Haven't seen any growth with my MC, I'm going to see if I can do a PC to a different MC card, because I don't like the Platinum with the Extra Cash.


Back to the my Chase question, does anyone know what number to call? When I called the number on the back of my card there was no option from the auto menu.


In the Garden Club since: 07/05/2017


6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724
Message 4 of 14
Established Contributor

Re: EQ is 716!


kc12286 wrote:

I have the Amazon Visa card from Chase, so it's not like the Amazon store card. I guess I could stand to lose some points with the HP.  I haven't had one since I applied for my MC card 6+ months ago.  I've seen some nice growth with my Discover card, receved two auto CLIs now from them.  Haven't seen any growth with my MC, I'm going to see if I can do a PC to a different MC card, because I don't like the Platinum with the Extra Cash.


Back to the my Chase question, does anyone know what number to call? When I called the number on the back of my card there was no option from the auto menu.


I have the Amazon Chase Visa too and was given a small auto cli on my 4th or 5th statement.There is a list of backdoor numbers on this site.

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 5 of 14
Frequent Contributor

Re: EQ is 716!


calihlove75 wrote:

kc12286 wrote:

I have the Amazon Visa card from Chase, so it's not like the Amazon store card. I guess I could stand to lose some points with the HP.  I haven't had one since I applied for my MC card 6+ months ago.  I've seen some nice growth with my Discover card, receved two auto CLIs now from them.  Haven't seen any growth with my MC, I'm going to see if I can do a PC to a different MC card, because I don't like the Platinum with the Extra Cash.


Back to the my Chase question, does anyone know what number to call? When I called the number on the back of my card there was no option from the auto menu.


I have the Amazon Chase Visa too and was given a small auto cli on my 4th or 5th statement.There is a list of backdoor numbers on this site.


I attempted to get a CLI by calling the number on the back of my card. I was declined for whatever reason, I was told I'd receive a letter in the mail explaining why. I've had the card since 2007, if not earlier. And I'm thinking the newer batch of cards are where people are seeing auto CLIs. I've never seen one and I've used it and paid it off, let a balance sit, paid it off and run it up again. I almost wonder if their system isn't like Best Buys was with the store cards,where if you applied during a certain period you would be stuck at a certain credit limit.  I'd almost like to cancel it and apply for a new one and see if I get a better credit limit, but I've built too much history with it at this point. I'll just use it for Amazon and gas because those are the highest return  when Discover isn't offering their 5%.


In the Garden Club since: 07/05/2017


6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724
Message 6 of 14
Established Contributor

Re: EQ is 716!


kc12286 wrote:

calihlove75 wrote:

kc12286 wrote:

I have the Amazon Visa card from Chase, so it's not like the Amazon store card. I guess I could stand to lose some points with the HP.  I haven't had one since I applied for my MC card 6+ months ago.  I've seen some nice growth with my Discover card, receved two auto CLIs now from them.  Haven't seen any growth with my MC, I'm going to see if I can do a PC to a different MC card, because I don't like the Platinum with the Extra Cash.


Back to the my Chase question, does anyone know what number to call? When I called the number on the back of my card there was no option from the auto menu.


I have the Amazon Chase Visa too and was given a small auto cli on my 4th or 5th statement.There is a list of backdoor numbers on this site.


I attempted to get a CLI by calling the number on the back of my card. I was declined for whatever reason, I was told I'd receive a letter in the mail explaining why. I've had the card since 2007, if not earlier. And I'm thinking the newer batch of cards are where people are seeing auto CLIs. I've never seen one and I've used it and paid it off, let a balance sit, paid it off and run it up again. I almost wonder if their system isn't like Best Buys was with the store cards,where if you applied during a certain period you would be stuck at a certain credit limit.  I'd almost like to cancel it and apply for a new one and see if I get a better credit limit, but I've built too much history with it at this point. I'll just use it for Amazon and gas because those are the highest return  when Discover isn't offering their 5%.


Don't bother will the regular number as they have no authority. Try these numbers. I would start with the credit analyst and then go the exec route if not satisfied. Since 2007 without a cli is ridiculous.

Chase: 888-245-0625 (Credit Analyst - Recons)

Chase: 888-622-7547 (Chase Executive Ofc. in IL)

 

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 7 of 14
Established Contributor

Re: EQ is 716!

Congrats on the score!  Keep up the good work! :-)


Starting Score: TU: 566
Current Score: TU: 741 (Discover FICO); EQ: 755 (MyFico) EX: 774 (FAKO)
Goal Score: 800

Take the FICO Fitness Challenge
Message 8 of 14
Frequent Contributor

Re: EQ is 716!


calihlove75 wrote:

kc12286 wrote:

calihlove75 wrote:

kc12286 wrote:

I have the Amazon Visa card from Chase, so it's not like the Amazon store card. I guess I could stand to lose some points with the HP.  I haven't had one since I applied for my MC card 6+ months ago.  I've seen some nice growth with my Discover card, received two auto CLIs now from them.  Haven't seen any growth with my MC, I'm going to see if I can do a PC to a different MC card, because I don't like the Platinum with the Extra Cash.


Back to the my Chase question, does anyone know what number to call? When I called the number on the back of my card there was no option from the auto menu.


I have the Amazon Chase Visa too and was given a small auto cli on my 4th or 5th statement.There is a list of backdoor numbers on this site.


I attempted to get a CLI by calling the number on the back of my card. I was declined for whatever reason, I was told I'd receive a letter in the mail explaining why. I've had the card since 2007, if not earlier. And I'm thinking the newer batch of cards are where people are seeing auto CLIs. I've never seen one and I've used it and paid it off, let a balance sit, paid it off and run it up again. I almost wonder if their system isn't like Best Buys was with the store cards,where if you applied during a certain period you would be stuck at a certain credit limit.  I'd almost like to cancel it and apply for a new one and see if I get a better credit limit, but I've built too much history with it at this point. I'll just use it for Amazon and gas because those are the highest return  when Discover isn't offering their 5%.


Don't bother will the regular number as they have no authority. Try these numbers. I would start with the credit analyst and then go the exec route if not satisfied. Since 2007 without a cli is ridiculous.

Chase: 888-245-0625 (Credit Analyst - Recons)

Chase: 888-622-7547 (Chase Executive Ofc. in IL)

 


Can I do that if I was already denied by the system? I could hear the person typing, though I have no way of knowing what they were doing. They said they pulled my report, though they couldn't (or wouldn't tell me) which one and I asked before he started what he'd be pulling, he laughed said he'd be pulling from any or all of the bureaus.


In the Garden Club since: 07/05/2017


6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724
Message 9 of 14
Established Contributor

Re: EQ is 716!


kc12286 wrote:

calihlove75 wrote:

kc12286 wrote:

calihlove75 wrote:

kc12286 wrote:

I have the Amazon Visa card from Chase, so it's not like the Amazon store card. I guess I could stand to lose some points with the HP.  I haven't had one since I applied for my MC card 6+ months ago.  I've seen some nice growth with my Discover card, received two auto CLIs now from them.  Haven't seen any growth with my MC, I'm going to see if I can do a PC to a different MC card, because I don't like the Platinum with the Extra Cash.


Back to the my Chase question, does anyone know what number to call? When I called the number on the back of my card there was no option from the auto menu.


I have the Amazon Chase Visa too and was given a small auto cli on my 4th or 5th statement.There is a list of backdoor numbers on this site.


I attempted to get a CLI by calling the number on the back of my card. I was declined for whatever reason, I was told I'd receive a letter in the mail explaining why. I've had the card since 2007, if not earlier. And I'm thinking the newer batch of cards are where people are seeing auto CLIs. I've never seen one and I've used it and paid it off, let a balance sit, paid it off and run it up again. I almost wonder if their system isn't like Best Buys was with the store cards,where if you applied during a certain period you would be stuck at a certain credit limit.  I'd almost like to cancel it and apply for a new one and see if I get a better credit limit, but I've built too much history with it at this point. I'll just use it for Amazon and gas because those are the highest return  when Discover isn't offering their 5%.


Don't bother will the regular number as they have no authority. Try these numbers. I would start with the credit analyst and then go the exec route if not satisfied. Since 2007 without a cli is ridiculous.

Chase: 888-245-0625 (Credit Analyst - Recons)

Chase: 888-622-7547 (Chase Executive Ofc. in IL)

 


Can I do that if I was already denied by the system? I could hear the person typing, though I have no way of knowing what they were doing. They said they pulled my report, though they couldn't (or wouldn't tell me) which one and I asked before he started what he'd be pulling, he laughed said he'd be pulling from any or all of the bureaus.


Yes, that what is what recon is for. You already took a hard pull. I would call that first number. I am thinking they will help you. If not call the exec.

100% Ficos: EX 780 , TU 783, EQ 776 inquiries last 2 years/1 year/6 months: EX-0/0/0, TU-0/0/0, EQ-1/0/0~ last credit card app 6/24/13- New car loan 3/8/2014- Discover IT $12,500~Kohls $1000~Amex BCE $4000~ Walmart Discover $7500~NFCU Signature CashRewards $23,300 Chase Freedom MC $6000~ Chase Amazon Visa $1900~ Cap 1/HSBC MC $3800~ Amazon Store $7000~ Fingerhut $1050
Message 10 of 14