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Do CLI cause a score bump?

Established Contributor

Do CLI cause a score bump?

Expecting a cap1 secured in the mail anyway now. If I deposit $200 to make the limit $400 will that cause a score bump? Just wasn't sure if CLI cause bumps if they're not super big CLI...?
Message 1 of 6
5 REPLIES
Epic Contributor

Re: Do CLI cause a score bump?

No, CLI aren't scored.  A CLI could cause your overall utilization to go down which would give you a bump.

Message 2 of 6
Moderator Emeritus

Re: Do CLI cause a score bump?

Ditto. Per FICO a person with $500 in combined CLs has an equal chance as someone with $50,000 in combined CLs. It's how you use the card(s) that count. Now some FAKO scores do care, but FICO doesn't. 

Message 3 of 6
Regular Contributor

Re: Do CLI cause a score bump?

i had the cap1 secured card for exactly 2 years and every time i made the cl go up so did my score it never reported as secured and looked like a regular card(1500). but because of the cap1 card chase gave me a 1000 cl which is good coming from the bottom so i closed the account out due to the high apr/ not unsecuring after 2 years/ annual fee and the fact it was my rebuilder card. when i closed the account i had a balance and the applied my security deposit to it and sent me a check for the rest .




Starting Score: 5/30/13 TU 630; EQ618: EX PLUS639
Current Score: 4/2/15 TU 661; EQ 617; ; EX FICO 631
Goal Score: 700






Message 4 of 6
Epic Contributor

Re: Do CLI cause a score bump?

FICO doesn't score CLI.  If you had balances your utilization dropped and your score went up.

Message 5 of 6
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Frequent Contributor

Re: Do CLI cause a score bump?


guiness56 wrote:

FICO doesn't score CLI.  If you had balances your utilization dropped and your score went up.


AHHH now i get it

Message 6 of 6