Reply
Frequent Contributor
GST2008
Posts: 443
Registered: ‎03-22-2008
0

Juniper CLD!!!!!

I recently just had my CL raised to 3k on my Juniper Visa and I logged in this morning to pay on my account and noticed the the CL was decreased to 1.2k.  I just got off the fone with a very unhelpful CSR who would not transfer me to a supervisor.  I understand the concept of a CLD if somebody isn't using their full line of credit as it being a liability, but I use most of the 3k every month and pay it in full (often four payments a month).  I'm livid and trying not to be impulsive and just close out the account.

Current:
TU (5/14/14): 796 (Inquiries; 8/23/13)
EQ (3/23/14): 791 (Inquiries: 8/23/13)
EX (9/24/13): 780 (Inquiries: 7/2/12; 11/20/12; 7/30/13; 8/23/13)

Goals: No new inquiries for 2014, 800 for all CRs by 12/31/14
Contributor
Mark-MD
Posts: 146
Registered: ‎01-06-2008
0

Re: Juniper CLD!!!!!

I am sorry to hear that this happened to you.

 

It may have NOTHING to do with you though.  If you live in a county that has a higher number of foreclosures then they can CLD you just  for that alone. GEMB and AX both started to do that.

 

They can also CLD you for your type of mortgage if if is subprime. Again, many are doing that too.

 

They can CLD you if your line of work is NOT recession proof.

 

The list goes on and on. DO NOT take it personally.:smileywink:

02/14/2009 EQ 797, EX 811, TU 805
Frequent Contributor
GST2008
Posts: 443
Registered: ‎03-22-2008
0

Re: Juniper CLD!!!!!

The second CRS I spoke to about it stated that a ton of customers got CLDs for the new year, probably to make their books look better.  She told me since I had an unsecured loan with them (the credit card) that they were adjusting to make it better suite my needs???  I told her this was ridiculous and I would just call a credit analyst on Monday since none were in the office at the moment.

Current:
TU (5/14/14): 796 (Inquiries; 8/23/13)
EQ (3/23/14): 791 (Inquiries: 8/23/13)
EX (9/24/13): 780 (Inquiries: 7/2/12; 11/20/12; 7/30/13; 8/23/13)

Goals: No new inquiries for 2014, 800 for all CRs by 12/31/14

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}