06-19-2008 05:52 AM
06-19-2008 06:05 AM
06-19-2008 06:23 AM
So, I requested a CLI two weeks ago (using automated phone service) and got the 7-10. So, I noticed that I had a balance @15% utility when I made the request; unfortunately I did not pay that before requesting. I've had the account 5 months. Anyway, I've checked all my credit reports and don't see any evidence that this request triggered a soft inq. Any idea what this means? Is it possible that having a balance--statement had not closed--at the time of CLI request triggers a decline? I'll call on tomorrow because I have not yet received the letter and will follow up with a live rep, but any thoughts on the theory?
06-19-2008 06:35 AM
Never requested CLI before, this was my first.
06-20-2008 06:59 AM
06-20-2008 07:11 AM
06-20-2008 09:42 AM
I am glad I do not have an AMEX and never ever plan on getting one. It seems to me that they bully around their customers too much....something that does not fly with me.
06-21-2008 08:58 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.