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Successful Recons on CLI!

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FinStar
Moderator Emeritus

Re: Successful Recons on CLI!

So then they were HPs to begin with... the initial post is misleading since more or less since the CLIs were not initially approved, then you used the reconsidation route (with HP) and asked them to remove them.... that's not SP.

Message 11 of 16
heathuhhhhwebbbb
New Contributor

Re: Successful Recons on CLI!

I called the recon lines and asked them to remove the HP's and review it as a SP.  I've learned asking for that, depending on the person on the other line, they will do it.

09/2013: TU FICO 692, EQ FICO 698, EX PLUS 709. No apps until December 2014!
Freedom: $1500 Cap1 Plat: $2000 Cap1 Cash: $1500 Barclays: $4000 Walmart: $2700 GE Luxury: $4800 Jared: $1500 Davids Bridal: $1500
Message 12 of 16
heathuhhhhwebbbb
New Contributor

Re: Successful Recons on CLI!

Well, I didn't mean to mislead people.  My apologies for being confusing. 

09/2013: TU FICO 692, EQ FICO 698, EX PLUS 709. No apps until December 2014!
Freedom: $1500 Cap1 Plat: $2000 Cap1 Cash: $1500 Barclays: $4000 Walmart: $2700 GE Luxury: $4800 Jared: $1500 Davids Bridal: $1500
Message 13 of 16
09Lexie
Moderator Emerita

Re: Successful Recons on CLI!

Message 14 of 16
mhopper321
Member

Re: Successful Recons on CLI!

I started with a Barclays Rewards card back in January based on info on this Forum. I've had several other Capone cards and what not since a BK in 08 but wanted a better card. I was originally approved with a limit of 500 but called and recon'd and they matched my highest limit at that time which was a newly opened Cap One rewards card of $1000.  I also opened a rewards card through my credit union for $3500 a couple days after. Now fast forward to September and I bought my first house (closed last Tuesday!!), Capone auto CLI'd my rewards card to 1500, Barclays auto CLI'd to 1900 shortly after. That was three weeks ago. Today I called the back door number and told them I bought a house and needed more limit for remodel projects. They upped my CL to 3500 matching my credit union card and commended me on my responsible fiancial management for the last 5 1/2 years since BK. I carry no balances month to month on anything and run em up wuite a bit for points on all my cards. Also called my credit union and they increased my limit to $10,000!!! AND lowered my rate 4%! Been a good day indeed and I have learned sooooo much from everyone on here. Thank you all and thanks for all those backdoor numbers!

Rebuilding from BK7 in January of 08
Multiple auto loans since
Current scores: 711 EQ, 714 TU, 700 EX
Goal Scores: 720+ on all 3
Card Mix:
CapOne Plat-1000
HSBC-700
Credit One-500(CLOSED)
Paypal-300(CLOSED)
WalMart-300(CLOSED)
CapOne Cash Reward-1500
Barclay Rewards-3500
PSCU Plat Rewards-3500
CHASE FREEDOM-5000
Message 15 of 16
enharu
Super Contributor

Re: Successful Recons on CLI!

Wait, how long ago were the CLIs requested?

And the inquiries are already removed?
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Message 16 of 16
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