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GE CLI QUESTION

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gettnthere
Established Contributor

GE CLI QUESTION

i posted the other day about getting a CLI with my American Eagle card issued by GE. i had originally requested a $750 increase and they denied and countered with $250. i  was happy to take that but i have a ?. i received the letter from GE stating the reasons they wouldnt give my original $750 increase. the reasons were high balances, derogotry information. they went off their last SP which was on 5/31. since then, the deragotory info has been removed and all the balances have went to 0. so i called the number on the letter to talk to an U/W about maybe doing a new SP so i could get better CLI and then they would have a more Accurate CR. the U/W i spoke to obviously didnt know what they were talking about b/c he stated they dont do SP CLI (which we all know is NOT true) and that no matter what it is always a HP. so i was thinking of calling again on monday but i dont really know who i should call and talk to. what do you guys think? should i just leave it alone?



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 1 of 8
7 REPLIES 7
kobe2012
Established Contributor

Re: GE CLI QUESTION

I just called underwriting for gecrb 5 mins ago and she said its only soft pull for cli.... i think you should try calling again since theyre still open


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 2 of 8
gettnthere
Established Contributor

Re: GE CLI QUESTION


@kobe2012 wrote:

I just called underwriting for gecrb 5 mins ago and she said its only soft pull for cli.... i think you should try calling again since theyre still open


which one of the #'s did you call. i just wanna make sure im calling the right one?



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 3 of 8
kobe2012
Established Contributor

Re: GE CLI QUESTION

check your pm... keep us updated


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 4 of 8
gettnthere
Established Contributor

Re: GE CLI QUESTION

ok, about to call now



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 5 of 8
gettnthere
Established Contributor

Re: GE CLI QUESTION

ok, so i just got off the phone with a cool dude who knew what he was talking about. but the convo still left me a little confused. he did state that CLI request are only SP but he told me that when i called in for my CLI they looked at my Credit report right then. i tried explaining that the letter they sent me stated that the SP was from 5/31 (according to the letter). i had asked him if we could do a new SP but he told me they would have done one on 7/31 when i requested the CLI. he said they do not go off of a "back dated" SP, BUT thats exactly what the letter is saying to me. from reading the letter they last did a SP on my CR on 5/31 and thats what was used to base their decison off of but according the the CSR it should have been a new SP dated 7/31. so im a little confused but i just may let it go and call back in a couple months. what do you guys think? am i missing something here



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 6 of 8
kobe2012
Established Contributor

Re: GE CLI QUESTION

well, at least you tried calling....my dad requested a cli last june for his jcp card and the one they pulled was from May.... give it a month or so and ask again, maybe it'll be a different result.... besides, it's only a soft pull... or do it weekly, just to annoy them.. lol


Starting Score: MYFICO 12/30/15 -TU: 481, EQ:561, EX:532 - BK7 DISCHARGED 12/2015 - Current: 09/01/2016 TU:642 EQ: 651 EX: 646
NFCU cashRewards:$6200 QS:$1500 Merrick:$1200 Cabelas:$1000 SonyVisa: $500 JCrew:$850 Overstock:$850 Express: $1050 PaypalCredit:$2150 NAVCHECK:$10K
Message 7 of 8
gettnthere
Established Contributor

Re: GE CLI QUESTION


@kobe2012 wrote:

well, at least you tried calling....my dad requested a cli last june for his jcp card and the one they pulled was from May.... give it a month or so and ask again, maybe it'll be a different result.... besides, it's only a soft pull... or do it weekly, just to annoy them.. lol


hahahahaSmiley Very Happy that would be hilarious!! thanks for the good info!



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 8 of 8
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