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Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Walmart CLIs?

Has anyone hit the luv button more than every 4 mos? Have you had any success in getting a CLI more often than every 4 mos? Also wondering if you've ever gotten a Discover offer from the luv button.

 

I am really anxious to PC my WM store card to Discover. My TU FICO is over 100 pts higher than when I got the card, mostly because a CA fell off. I should have just waited 2 mos., but I was anxious to get the monthly FICO. :smileyembarrassed:

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Walmart CLIs?


bichonmom wrote:

Has anyone hit the luv button more than every 4 mos? Have you had any success in getting a CLI more often than every 4 mos? Also wondering if you've ever gotten a Discover offer from the luv button.

 

I am really anxious to PC my WM store card to Discover. My TU FICO is over 100 pts higher than when I got the card, mostly because a CA fell off. I should have just waited 2 mos., but I was anxious to get the monthly FICO. :smileyembarrassed:

 


And a tiny bit of AMEX luv.................:smileyvery-happy:

 

I want to know this info. too, I haven't been successful getting more than 1 in a 4 month span.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: Walmart CLIs?


LS2982 wrote:

bichonmom wrote:

Has anyone hit the luv button more than every 4 mos? Have you had any success in getting a CLI more often than every 4 mos? Also wondering if you've ever gotten a Discover offer from the luv button.

 

I am really anxious to PC my WM store card to Discover. My TU FICO is over 100 pts higher than when I got the card, mostly because a CA fell off. I should have just waited 2 mos., but I was anxious to get the monthly FICO. :smileyembarrassed:

 


And a tiny bit of AMEX luv.................:smileyvery-happy:

 

I want to know this info. too, I haven't been successful getting more than 1 in a 4 month span.


Actually, my TU FICO went up 100 pts after the CA fell off, but my EQ stayed about the same. My EQ went up about 100 pts when Amex reported, and my TU went up a few points at that time.

 

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Walmart CLIs?


bichonmom wrote:

LS2982 wrote:

bichonmom wrote:

Has anyone hit the luv button more than every 4 mos? Have you had any success in getting a CLI more often than every 4 mos? Also wondering if you've ever gotten a Discover offer from the luv button.

 

I am really anxious to PC my WM store card to Discover. My TU FICO is over 100 pts higher than when I got the card, mostly because a CA fell off. I should have just waited 2 mos., but I was anxious to get the monthly FICO. :smileyembarrassed:

 


And a tiny bit of AMEX luv.................:smileyvery-happy:

 

I want to know this info. too, I haven't been successful getting more than 1 in a 4 month span.


Actually, my TU FICO went up 100 pts after the CA fell off, but my EQ stayed about the same. My EQ went up about 100 pts when Amex reported, and my TU went up a few points at that time.

 

 


100 pts for a CA coming off is fantastic! Congrats!

 

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: Walmart CLIs?

Tried for CLi and denied. I think they're still using an old pull/score, and my score has gone up lot. Does anyone know how I could get them to look at a more recent CR/score w/o a HP?

 

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Walmart CLIs?


bichonmom wrote:

Tried for CLi and denied. I think they're still using an old pull/score, and my score has gone up lot. Does anyone know how I could get them to look at a more recent CR/score w/o a HP?

 


Call in for a manual review once you get the denial letter in the mail.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
payingoffdebt001
Posts: 406
Registered: ‎04-15-2011
0

Re: Walmart CLIs?

[ Edited ]

Was wondering, is low utilization and few inquiries important when requesting a CLI's with GE?  or just being a good customer and paying your bill on time is what counts? I ask because I am now using my other cards more and wont really be able to get them back down for a couple months.  I dont want to hit the luv botton if  GE  does look at your full credit report to make a decision.   I'm current on everything just needing to use the other cards more these days and not PIF but paying.

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Walmart CLIs?


payingoffdebt001 wrote:

Was wondering, is low utilization and few inquiries important when requesting a CLI's with GE?  or just being a good customer and paying your bill on time is what counts? I ask because I am now using my cards and my other cards more and wont really be able to get them back down for a couple months.  I dont want to hit the luv botton if they do look at your full credit report to make a decision.  I mean I'm current on everything, just needing to use the other cards more these days and not PIF.


I think low util. is a biggie, INQ's not so big.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
tcbofade
Posts: 2,414
Registered: ‎09-26-2011
0

Re: Walmart CLIs?


LS2982 wrote:

payingoffdebt001 wrote:

Was wondering, is low utilization and few inquiries important when requesting a CLI's with GE?  or just being a good customer and paying your bill on time is what counts? I ask because I am now using my cards and my other cards more and wont really be able to get them back down for a couple months.  I dont want to hit the luv botton if they do look at your full credit report to make a decision.  I mean I'm current on everything, just needing to use the other cards more these days and not PIF.


I think low util. is a biggie, INQ's not so big.


Yeah, what he said.

 

I've never been late with a payment...often pay more than minimum...but always carry a balance...some wayyyy to high...and I've NEVER had a CLI from any of my GE cards.


Current Scores: EX 706 (FCR) TU08: 641 Wally.11/23/14
Last app 05/29/2014.
Being held hostage in the garden until further notice...
Zero percent financing is where the devil lives...
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Walmart CLIs?

@tcbo Was your overall util. high everytime you asked for CLI's?



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014

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