Seeking advice on timing of CLI requests

[iheartwings]

Greetings.

I have been rooted firmly in the garden for several months (7+ months), and I am trying to figure out what is the reasonable thing to do.The ultimate long term goal would be for a mortgage in 2018.  So, I was hoping folks here could offer some advice about strategically leaving the garden and timing of CLI requests. There is a TL;DR summary at the end.

I am wondering if it make sense to take a moment to step out of the garden to request HP CLI on my Chase and Citi accounts now instead of this fall. A little background on each:

• Citi Double Cash. Approved in 10/2015 for CL$9500. My 7th statement just cut, and I have not yet been able to get an offer for SP CLI. 
• Chase Freedom. This card was originally a WaMu Platinum Visa that I obtained in 2008. It had a $2800 CLI. After WaMu was bought out, this became a Chase Platinum Mastercard. I took a HP in 2011 to PC the card to a Chase Freedom. I moved $1500 of the CL to my Marriott VS because I needed a little more for travel. I like this card and recently have moved back to using it more frequently. I typically pay off my cards weekly, but the CL makes it difficult to make this a regular daily driver. though I think I will eventually ask to PC to the FU. My request for this card would be to CLI and upgrade to VS if CLI granted. 

My current FICO8 scores are EQ736/TU740/EX730. In terms of inquiries, I have 5 EQ, 3 TU, 4 EX. In terms of inquiries < 1 year old, then its 2 EQ, 2 TU, 2 EX. My monthly reported utilization is <1% on one CC. 

I don't know what Citi pulls for HP CLI. I have read on MF that Chase double pulls EQ/EX for HP CLI (though I don't know if that's always the case). I do have a BK7 from 2007 on my reports, and I burned both Chase and Citi.  I know that EX with be pulled when I apply for my auto financing (using captive lender). 

TL;DR: One of my goals this year is to request CLI on two of my accounts. I had originally planned on doing this when I apply for financing to buyout my auto lease later this year (expires in October). I am wondering if it is reasonable to take the HP and request those CLI now and let the inquiries age and my score recover over the next couple months before I apply for auto financing. Or, should I go for it all at the same time and experience a bigger, temporary score drop? Or, should I apply for auto financing then look for CLIs? 

Thanks in advance for any advice!

[myjourney]

If you don't get back behind that fence ....Hu the nerve of these gardeners....Security Lol

That being said if you have a plan and it benefits your needs by all means go for it 

The GC family will still be there when you return with open arms 

[iheartwings]

MJ -

Thanks! I don't know that I want to leave the garden early, but I figured it's worth asking.

I guess I just don't know what would be best in maximizing the likelihood of getting the CLI while not causing my FICO score to drop like a brick at the same time. I'm not so worried about the auto financing part. My question really is: "Is it better to spread out my HP requests or should I just do it all at one time?"

I don't take leaving lightly, but I want to make sure I'm doing what's best for my CR for the future (2018 mortgage). 

And, I haven't left yet! (I just couldn't ask the question in the garden, as not to tempt others!). 

[myjourney]

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@iheartwings wrote:

MJ -

Thanks! I don't know that I want to leave the garden early, but I figured it's worth asking.

I guess I just don't know what would be best in maximizing the likelihood of getting the CLI while not causing my FICO score to drop like a brick at the same time. I'm not so worried about the auto financing part. My question really is: "Is it better to spread out my HP requests or should I just do it all at one time?"

I don't take leaving lightly, but I want to make sure I'm doing what's best for my CR for the future (2018 mortgage). 

And, I haven't left yet! (I just couldn't ask the question in the garden, as not to tempt others!). 

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This is just me:

My preferences has always been to lump them together 

So I get rid of them together is my thinking but again that's just me