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Tips for CLI

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Anonymous
Not applicable

Re: Tips for CLI


@smc733 wrote:

@Anonymous wrote:

Citi - soft online IF you get the basic income form.  Longer form is a hard


This is not true anymore.  I got the short form on Citi this week, went from $5,000 to $6,000, but pulled a hard on EQ!


Hmmm...I can't remember when exactly I did my Citi CLI, it was probably no more than 10 days ago, no hard pull for the short form.  There have always been the few outliers like yourself that report getting a hard.  They may not have changed anything, and you were just one of the few unlucky ones.

 

We just have to always keep in mind that anytime we do anything that could cause a credit pull, there's always a possibility it will be a hard, even when it normally isn't.  I would never go CLI hunting if I was trying to stay Inq free.  But when the only thing it would affect is getting other CLI's...well, I'm not too concerned about it.  I just try to give myself the best chance of getting more CLI's by going after the likely soft pulls first, and hard pulls last (if at all).  I've never bothered with Chase CLI because I already know it's a definite hard.  I've actually never gotten a hard pull from a CLI request, but I always know it could happen at any time.

Message 11 of 17
clocktick
Valued Contributor

Re: Tips for CLI

How about GEMB?  Are they are typically a hard or soft?

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


Take the FICO Fitness Challenge

Message 12 of 17
Greg34
New Contributor

Re: Tips for CLI

Over the past 16 months I have upped my AmEx Blue Sky credit limit from $1,000 to $10,000.

 

Jan '10- $3000

August '10- $5000

March '11- $10,000

September '11- Shooting for $15,000

 

 

 I use it a lot (14,000 on it in 2010), and I pay it off in full every month.

Message 13 of 17
visorboy1974
Valued Contributor

Re: Tips for CLI

Softs for the online requests


@clocktick wrote:

How about GEMB?  Are they are typically a hard or soft?


 

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 14 of 17
tntexans72
Valued Contributor

Re: Tips for CLI


@Greg34 wrote:

Over the past 16 months I have upped my AmEx Blue Sky credit limit from $1,000 to $10,000.

 

Jan '10- $3000

August '10- $5000

March '11- $10,000

September '11- Shooting for $15,000

 

 

 I use it a lot (14,000 on it in 2010), and I pay it off in full every month.



what is your fico score?

I am sure the huge CLI has alot to do with your fico score too.

Congrats !!

Message 15 of 17
Greg34
New Contributor

Re: Tips for CLI

Not sure what my Fico is right now. I last checked it in August 2010 and it was around 760, Probably higher now. But I don't think AmEx checked it for my CLI's. They were always instant. All I did was put in my annual income over the automated system and boom, you're approved.

 

Its amazing how AmEx treats you when you pay your balance in full every month.

Message 16 of 17
tntexans72
Valued Contributor

Re: Tips for CLI

 
Message 17 of 17
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