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I'm going for a Barclays Arrival card in about 2 weeks. I would also like to go for CLIs on my Citi (Home Depot) and Iberia cards. TU/EQ/EX are all high 700's and probably at least 2 will be low 800's by then. UTIL on 2 exiting cards is only 3%. Main one is Barclays, so I'm going for that first. Any suggestions on timing of CLIs? (Same time? Wait a bit?) No CLI requests for a few years. No Apps in 3 years. No Inqs in a year (mortgage).
Also, based on what I can tell from the Credit Boards (which are outdated), Barclays pulls TU, Iberia pulls EQ and Citi pulls either TU, EQ, or both.
Any suggestions?
Go for CLI's first...then Barclay...with those scores, you could do it anytime.
@PaBill wrote:I'm going for a Barclays Arrival card in about 2 weeks. I would also like to go for CLIs on my Citi (Home Depot) and Iberia cards. TU/EQ/EX are all high 700's and probably at least 2 will be low 800's by then. UTIL on 2 exiting cards is only 3%. Main one is Barclays, so I'm going for that first. Any suggestions on timing of CLIs? (Same time? Wait a bit?) No CLI requests for a few years. No Apps in 3 years. No Inqs in a year (mortgage).
Also, based on what I can tell from the Credit Boards (which are outdated), Barclays pulls TU, Iberia pulls EQ and Citi pulls either TU, EQ, or both.
Any suggestions?
With your scores i would go for a CLI anytime . No reason you can't get a CLI if your income supports it. Good luck
My only concern was any pulls on the CLI requests affecting the Barclays App, which was why I mentioned what CBs they all appear to be pulling.. Thanks for the input
@CreditMagic7 wrote:
FWIW Citi pulled Experian HP for my first CLI. Can't say for certain which CRA they will pull but apparently it's a toss up. Citi however has SP Equifax on me.
Ok. Thanks.
@PaBill wrote:I'm going for a Barclays Arrival card in about 2 weeks. I would also like to go for CLIs on my Citi (Home Depot) and Iberia cards. TU/EQ/EX are all high 700's and probably at least 2 will be low 800's by then. UTIL on 2 exiting cards is only 3%. Main one is Barclays, so I'm going for that first. Any suggestions on timing of CLIs? (Same time? Wait a bit?) No CLI requests for a few years. No Apps in 3 years. No Inqs in a year (mortgage).
Also, based on what I can tell from the Credit Boards (which are outdated), Barclays pulls TU, Iberia pulls EQ and Citi pulls either TU, EQ, or both.
Any suggestions?
Citi pulled EQ for my last CLI (in November) & pulled EX for my DH's last app with them. Haven't seen them pull TU, for us anyway.