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Frequent Contributor
Posts: 358
Registered: ‎06-25-2012
0

Macy's Underwriting

I tried the numbers in the backdoor thread, but I couldn't find anyone that would do a CLI on my Macy's card without a hard pull. The first rep said the credit bureau decides if it was a hard or soft pull (lol!), so I called back. The second rep first told me my card was inactive and therefore first needed a hard pull to be re-opened (lol again), but after looking more closely at the account he corrected himself but said unfortunately the system was prompting him for a hard pull for CLI.

 

It is my understanding that some of you have had success getting a CLI with a soft pull. Does anyone have a different number I can try?

Regular Contributor
Posts: 440
Registered: ‎02-08-2012
0

Re: Macy's Underwriting


SwampSystems wrote:

I tried the numbers in the backdoor thread, but I couldn't find anyone that would do a CLI on my Macy's card without a hard pull. The first rep said the credit bureau decides if it was a hard or soft pull (lol!), so I called back. The second rep first told me my card was inactive and therefore first needed a hard pull to be re-opened (lol again), but after looking more closely at the account he corrected himself but said unfortunately the system was prompting him for a hard pull for CLI.

 

It is my understanding that some of you have had success getting a CLI with a soft pull. Does anyone have a different number I can try?


Try CLI@MacysIsTheDevil.com lol in all seriousness everytime i've ever tried to get a CLI with Macys it's never happened.. Whats your current CL with them?? You have the store card or the amex?

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Frequent Contributor
Posts: 358
Registered: ‎06-25-2012
0

Re: Macy's Underwriting

I have the store card. I used to have a $1500 limit, and then somehow it started reporting as closed by account holder with a $100 limit. So I took a hard pull to re-open it in June... with an $800 limit. At least it still reports as the same tradeline with the original opening date.

Regular Contributor
Posts: 440
Registered: ‎02-08-2012
0

Re: Macy's Underwriting


SwampSystems wrote:

I have the store card. I used to have a $1500 limit, and then somehow it started reporting as closed by account holder with a $100 limit. So I took a hard pull to re-open it in June... with an $800 limit. At least it still reports as the same tradeline with the original opening date.


Well then at least its still reporting your original TL...

Goal: 700 and an Amex Card!

Chicks Dig Guys With Good Credit :smileyhappy:
Valued Contributor
Posts: 1,970
Registered: ‎01-24-2012
0

Re: Macy's Underwriting

Two months ago I initiated a chat with a representative to have it raised. She said since they already have all the information, they will make an internal decision. I do know that they soft pull every few months for reviews though.

Valued Contributor
Posts: 2,280
Registered: ‎07-23-2012
0

Re: Macy's Underwriting

I personally got a soft pull for a cli from 3k to 3.5 in July.

I called the number on the back of tr card and hit 0 for a person. She called underwriting and I asked for 3.5 and they auto approved.

Card was 1 year 8 months though used once every four.
Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6,400
Citi DC $10,000
Citizens Mastercard$7,000
Frequent Contributor
Posts: 358
Registered: ‎06-25-2012
0

Re: Macy's Underwriting


Tommy5746 wrote:

SwampSystems wrote:

I have the store card. I used to have a $1500 limit, and then somehow it started reporting as closed by account holder with a $100 limit. So I took a hard pull to re-open it in June... with an $800 limit. At least it still reports as the same tradeline with the original opening date.


Well then at least its still reporting your original TL...


Yeah, that's why I took the hit to have it re-opened. It's one of my oldest tradelines, so I figured it would be good to keep even if I wasn't going to use it. But lately I'm starting to think with that small of a limit that it might be hurting me.

Frequent Contributor
Posts: 316
Registered: ‎04-07-2012
0

Re: Macy's Underwriting

I got a CLI last week and it was a hp. FYI, Macys will always hp for a cli.

Established Contributor
Posts: 866
Registered: ‎09-22-2011
0

Re: Macy's Underwriting

My Macy's card received a CLI at the 6 month mark.  It was auto and there were no hard pulls.  The card had minimal use and no balance.

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