02-19-2011 02:34 PM
I am posting this just as a reference on how First National Bank of Omaha does CLI's, as I couldn't find much here.
I called and asked for a CLI. The rep advised me that they would pull hard if there was not a CLI offer available in the system.
She asked for monthly income, and apparently I wasn't listening enough and I gave her my annual income, we had a good laugh together about that (she was very nice). I gave her my monthly income, and she said that I pre-qualified for a $2500 increase, bringing CL to $4000 with no hard pull.
I asked her I didn't have a CLI offer, would she have told me and asked permission to pull CR, she said yes they have to directly ask permission to pull hard, and they also ask about your occupation, own or rent, and housing payment info.
So that is the process in case anybody is interested.