Using Backdoor number for CLI?

[Shellie]

Does the time frame it takes them to respond have and bearing on the likely hood of the outcome being good or bad?  I'm trying with CapOne and I read that it is usually 2-3 days and I am on day 5.

[gdale6]

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@Shellie wrote:

Does the time frame it takes them to respond have and bearing on the likely hood of the outcome being good or bad?  I'm trying with CapOne and I read that it is usually 2-3 days and I am on day 5.

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Nope, probably have a lot of emails, took em 5 days to call me.

[Shellie]

Unsucessful...again.

[PlasticOrPlastic]

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@Shellie wrote:

Unsucessful...again.

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Shellie, do you have other cards?  I would drop Cap1 if you can, I used them to rebuild 3 years ago but they failed to grow with me after the rebuild.  The work I had to put in to get a $500 increase simply wasnt worth it.  I contacted the EO multiple times, and just never got to where I felt I should be.  The end of this month my Cap1 cards will be paid off and closed.  Sorry to hear you were unable to get an increase.

[Shellie]

I've had one for almost 2 years and the other for probably a year.  One has a $750 and the other is $600.  It doesn't seem to grow much.  The reasons they gave were too many new revolving accounts, which is legitimate, and something about the not having enough history for a $5000 CL.  I really thought they would counter at least.  I am carrying too high of a balance on them right now.  I have around 12 inq's and my scores are about 620 so I really REALLY hesitate to apply for anything else.  Last app was for CareCredit in Feb.  It was kinda out of my hands tho-kid needs braces.  I have a tax lien that is paid as of this month and released but from what I understand it will remain for 7 years from the date paid

[PlasticOrPlastic]

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@Shellie wrote:

I've had one for almost 2 years and the other for probably a year.  One has a $750 and the other is $600.  It doesn't seem to grow much.  The reasons they gave were too many new revolving accounts, which is legitimate, and something about the not having enough history for a $5000 CL.  I really thought they would counter at least.  I am carrying too high of a balance on them right now.  I have around 12 inq's and my scores are about 620 so I really REALLY hesitate to apply for anything else.  Last app was for CareCredit in Feb.  It was kinda out of my hands tho-kid needs braces.  I have a tax lien that is paid as of this month and released but from what I understand it will remain for 7 years from the date paid

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Is that score FICO?  You are very close to a Discover card, those are low limits (I had the same with Cap1), Id try to suffer through the low limits, for at least 6 months, pay what you can in those 6 months and try a Barclay Rewards Card or Discover.  I feel your pain with the Cap1 cards though. 

I had a tax lien as well, paid in full (9k+), it was released, and I disputed it with the CRA's.  It took a few tries but I did get it removed from both TU and EQ...EX is being annoying, defintely worth the effort! 

[Shellie]

Funny thing about the tax lien... I got a letter from TU just this week saying it was due to fall off June 2014.  I had already disputed it with TU and EQ.  Havent' heard back from EQ yet.  I just disputed with EX.  FIngers crossed.  It's been on there for 7 years already.

[PlasticOrPlastic]

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@Shellie wrote:

Funny thing about the tax lien... I got a letter from TU just this week saying it was due to fall off June 2014.  I had already disputed it with TU and EQ.  Havent' heard back from EQ yet.  I just disputed with EX.  FIngers crossed.  It's been on there for 7 years already.

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Well congrats on that, when mine got removed it saw about a 55 point increase to FICO, that should push you up into Barclay and Discover territory! 

[Shellie]

I have 2 paid and 2 unpaid collections left.  Then my profile will have no negatives.

[PlasticOrPlastic]

Consider yourself in good shape after those are removed.  I still have a BK7 reporting for 7 years which is killing me right now!  You get those last two baddies removed and you'll be well on your way to ditching those Cap1 cards!