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Called this morning. I was exactly six months out on my last two baddies.
Asked for Early Exclusion of some old accounts. Granted on the spot.
An unpaid chargeoff that was updating monthly and a paid chargeoff.
I knew I should get a jump. But never expedted 118 pts.
I'm in the 800 club, on Transunion , at least. Can't wait till EX and EQ are clean.
Now, I wonder what companies will like me now. Might be time for an app spree. Who pulls TU
If you have any open Synchrony cards, I believe they soft pull TU in order to grant CLI requests -- and they higher the TU, the higher the limit.
Can help you "prybar" larger CLs from other creditors, too.
Thanks, forgot about Synchrony. I actually have several Synch accounts.
Actually my Sams Club MC is my oldest card. At over 10 years. I may give that a try.
I've not sure when Synchrony pulls SPs for CLIs. Some banks will soft pull when you request a CLI, other banks may pull one monthly and if you do a CLI request it may rely on a slightly older SP.
If you just got the FICO boost, it may make sense to wait for a statement before requesting a CLI but others may be able to tell you how Synch SPs.