Reply
Regular Contributor
Posts: 144
Registered: ‎09-25-2007
0

I am on a row 2 CLI's should i hit the Luv button again??? see inside

Citi has been tempting me for a CLI. I am at 9.6k since  it was opened  no increase, but i always have the request CLI option right next to my account info for a good few months now, I click on it and they want my income info and bank info, I am afraid for the hard pull as is anyone else.Household Bank limit at 3.4k started at 2.5k same option i click on CLI and they want my info and they say they may pull a copy of your report...

 

so what should i do?

Super Contributor
Posts: 5,759
Registered: ‎01-28-2008
0

Re: I am on a row 2 CLI's should i hit the Luv button again??? see inside

Its not time for an CLI if it asking for income and bank info.  They may be wanting to do a hard pull on credit report.
Regular Contributor
Posts: 144
Registered: ‎09-25-2007
0

Re: I am on a row 2 CLI's should i hit the Luv button again??? see inside

see my credit and income has gone way up thne when i first opened this card. both cards have 0 balances on them.
Super Contributor
Posts: 5,759
Registered: ‎01-28-2008
0

Re: I am on a row 2 CLI's should i hit the Luv button again??? see inside


y0rascal wrote:
see my credit and income has gone way up thne when i first opened this card. both cards have 0 balances on them.

If you just want a CLI and not really need one I would wait.  It is my understanding that if you get a form to fill out when you select the CLI option it may result in a hard pull.  

Established Contributor
Posts: 586
Registered: ‎03-03-2009
0

Re: I am on a row 2 CLI's should i hit the Luv button again??? see inside

Form=hard pull

 

No form=soft pull

Highlighted
Super Contributor
Posts: 5,759
Registered: ‎01-28-2008
0

Re: I am on a row 2 CLI's should i hit the Luv button again??? see inside


YoungEntrepeneur wrote:

Form=hard pull

 

No form=soft pull


+1

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.