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Valued Contributor
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Registered: ‎10-24-2013
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cap 1 cli humor

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?

the beatings will continue until moral improves Wal-Mart lowes, quicksilver, nasa, forum, Indiana members, nfcu, Barclay, upromise, Barclay arrival plus
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Registered: ‎12-13-2013
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Re: cap 1 cli humor

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.

EX Cred Sesame 04/15: 775 (+1) ; EX Fico 04 V2 06/14: 775; EX Fico 08 BC 02/15: 790 (-7)
EQ Beacon 5.0 12/14 757
TU Fico 8 03/15: 757 (+3)
Valued Contributor
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Registered: ‎10-24-2013
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Re: cap 1 cli humor


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.


ty

the beatings will continue until moral improves Wal-Mart lowes, quicksilver, nasa, forum, Indiana members, nfcu, Barclay, upromise, Barclay arrival plus
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Re: cap 1 cli humor

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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Registered: ‎02-07-2013
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Re: cap 1 cli humor


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

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/2013
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Re: cap 1 cli humor

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?
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Re: cap 1 cli humor


myjourney wrote:

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


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!

the beatings will continue until moral improves Wal-Mart lowes, quicksilver, nasa, forum, Indiana members, nfcu, Barclay, upromise, Barclay arrival plus
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Re: cap 1 cli humor


juggalo9er wrote:

myjourney wrote:

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


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!


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

Mod notified thread 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/2013
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Posts: 27,206
Registered: ‎09-13-2012
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Re: cap 1 cli humor


myjourney wrote:

juggalo9er wrote:

myjourney wrote:

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


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!


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

Mod notified thread 


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

Frequent Contributor
Posts: 332
Registered: ‎08-07-2013
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Re: cap 1 cli humor

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.

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