NO CLI ON MY CITI PLATINUM SELECT HELP PLEASE

[charlie29]

I have been trying to get a CLI on my citi card that I have since october 2011, everytime I request they decline me inmmediately, they allways softpull my equifax report thay say they say the following;

The information did not score a sufficient number of points for approval. We have denied
your request for a credit limit increase due to the following reason(s):
· Serious delinquency and public record or collection filed.
· Insufficient length of credit history

As of June/2012 your credit score is 657. Credit scores range from a low of 250 to a high of 900. 

this jugment was from 3 years ago since that I have a perfect payment history.  I purchase my equifax score on June and my Fico score was 675, so I don't understand if they use a different score system, also I just got approve for another citi card last month with the same CL as the other one $1000. 

I would appreciate any recommendation to get a CLI on my first card, Thank you.

[Crashem]

You pif or hold balance?  Also what is aaoa and oldest card?  How lonyo have you had Citibank card?

[Crashem]

Btw, is that judgement paid or not?

[charlie29]

I have my citi platinum for about 10 months I always keep a balance bellow 30%. the public record is from 3 years ago. this month I finish paying the public record they told after paying the balance they will send a letter saying that the public record is satisfied. My oldest CC is 4 years. the average between all my 9 credit cards is 1 year. I was able to get another citi card ( Diamond) 1 month ago with $1000 CL. I also have Discover, Chase freedom, Wellsfargo, with the same limits, no more than $1200 CL in each one. I closed my green Amex charge card 3 months ago. I want to be able to get good CL's. I always keep my utilization below 30% in each card. I appreciate any recomendations to reach my goal. Thank you.

[Crashem]

Are you pif on Citibank though?  Also, won't get anything done until that judgement is satisfied at the very least.

[charlie29]

A judgement  satisfied would help my score ?? I always carry a balance of $150 no more than $250 CL $1000. after I get the satisfied jugment letter do I have to send a copy to each credit bureau????  Thank you for your help.

[rootpooty]

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@charlie29 wrote:

A judgement  satisfied would help my score ?? I always carry a balance of $150 no more than $250 CL $1000. after I get the satisfied jugment letter do I have to send a copy to each credit bureau????  Thank you for your help.

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no it wouldnt help your score however it will look better upon a manual review

[skyisthelimit]

charlie get the UTI under 10%.  Next wait 1 year for the inq's to not be as hard of a hit on your credit report (this will also allow you to age another year). This should put you in a good position to get a CLI on any of your cards.  Sometimes only time will allow your cards to go up...I waited a few years before I hit prime land.  You don't need any more c.c. though, that will just lower your age and place another INQ on ur record (for me 3 was the golden number, after that they really didn't add/subtract). GL!

[Crashem]

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@charlie29 wrote:

A judgement  satisfied would help my score ?? I always carry a balance of $150 no more than $250 CL $1000. after I get the satisfied jugment letter do I have to send a copy to each credit bureau????  Thank you for your help.

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cant just think of score for apps especially if they are doing internal scoring.  There are also hard triggers for refusal.  I would guesJuan unpaid judgement might be one as any creditor would fear that money that was for your credit card bill suddenly got levied.

[dp321]

How many times have you tried since October? because you really should be doing it every 6 months.