cap 1 cli humor

[juggalo9er]

on a monthly basis i request a cli from capitol one even though i know they will deny it (i know its always a sp). the comical thing is that they always mail a document stating the reasons for denial that will absolutely never load from their webpage. today i decided to have an online chat with a csr who basically claimed that my internet was not functioning properly, hence the reason i was unable to download it. not being an exact fan of capitol one to begin with i begged the csr to answer the question of if my internet was not working how would i be talking to them on the same computer i just attempted to download the document on? i also added that i have a 90mbps internet connection.....i guess what i am wondering is does anyone else have problems viewing documents related to your account other than statements?

[gdale6]

No problem here, by law you have to be notified and that means in a way that you can actually read it, demand a letter by mail, if they refuse file a CFPB complaint.

[juggalo9er]

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@gdale6 wrote:

No problem here, by law you have to be notified and that means in a way that you can actually read it, demand a letter by mail, if they refuse file a CFPB complaint.

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ty

[flowfaster]

I do it once a month too lol.  It gives you your Fico score.

Hey at least my denial reason is accurate....Current use of this card is too low.  hahaha

[myjourney]

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@flowfaster wrote:

I do it once a month too lol.  It gives you your Fico score.

Hey at least my denial reason is accurate....Current use of this card is too low.  hahaha

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As mentioned in another thread this week the mentioning of this process just to get scores is frowned upon here.

And should not be discussed

Thanks MJ

[Kenny]

I would think it wouldn't be a bad idea to do this simply for the reason that you won't have to think when you're eligible for a CLI! LOL

Any reason not to do this?

[juggalo9er]

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@myjourney wrote:

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@flowfaster wrote:

I do it once a month too lol.  It gives you your Fico score.

Hey at least my denial reason is accurate....Current use of this card is too low.  hahaha

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As mentioned in another thread this week the mentioning of this process just to get scores is frowned upon here.

And should not be discussed

Thanks MJ

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i really do not believe that he nor i are implying that we apply for a cli simply to see score i believe its because we wish our capitol one cards would grow!

[myjourney]

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@juggalo9er wrote:

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@myjourney wrote:

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@flowfaster wrote:

I do it once a month too lol.  It gives you your Fico score.

Hey at least my denial reason is accurate....Current use of this card is too low.  hahaha

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As mentioned in another thread this week the mentioning of this process just to get scores is frowned upon here.

And should not be discussed

Thanks MJ

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i really do not believe that he nor i are implying that we apply for a cli simply to see score i believe its because we wish our capitol one cards would grow!

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I beg to differ he clearly says he does it once a month for fico score 

Mod notified thread 

[09Lexie]

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@myjourney wrote:

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@juggalo9er wrote:

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@myjourney wrote:

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@flowfaster wrote:

I do it once a month too lol.  It gives you your Fico score.

Hey at least my denial reason is accurate....Current use of this card is too low.  hahaha

---

As mentioned in another thread this week the mentioning of this process just to get scores is frowned upon here.

And should not be discussed

Thanks MJ

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i really do not believe that he nor i are implying that we apply for a cli simply to see score i believe its because we wish our capitol one cards would grow!

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I beg to differ he clearly says he does it once a month for fico score 

Mod notified thread 

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Good evening! 

Op, sorry that your Cli's have been declined. The score provided should be used as a tool to a achieve your Cli; as stated by myjourney, requesting a Cli in order to receive a free score is not to be discussed on the forum. 

~Lexie

[Shock_]

Greetings. At the risk of mod deletion, I would just like to say that monthly FICO can be useful via CLI request. 

In my personal experience though, you arent going to get a CLI unless you are initiate a manual review via EO route. And even then it isnt a gurantee. I asked for 5k on my 1k card. They boosted me up to 1500. I asked for another CLI today, 3-4 months later, and it got sent to the underwriters for manual review. again, I asked for 5k. If they pull my Equifax, it's going to virtually be the same report plus a few more months of low utilization and PIF. 

I sure hope I get 5k..I would probably leave them alone if I got it. But with virtually the same report, I wouldnt be surprised for another 500 boost to 2k. 

Have 2 negs and a collection 6.5 years old. Dont want to ressurect those in any way, but I'd like to get them deleted.