I just got my second increase with FingerHut and I've only had them seen March. They increase me from $800 to $1,300...
However, the way I got the increase wasn't by waiting, I actually sent the CEO an e-mail, I tried 4 different name formats and 3 only got returned, so I know someone got my e-mail. I sent it Sunday night and this AM I saw the $500 increase.
The flip-side of the coin is that each request for a CLI triggers permissible purpose for a pull of your credit report.
Since it is consumer-initiated, they can do so as a hard pull.
The additon of a new inquiry could thus result.
If the additionall CLI is then used to increase spending, with the % util on the card then being the same as prior to the CLI, you could get a net score decrease in the short haul.
The key to getting score increase from a CLI is not using it once it is granted.
Most creditors grant CLIs based on the normal tendency of consumers to then use it.
can you PM me as well
FingerHut doesn't allow CLI by the consumer, they are automatic, but I do agree it could result in a hard pull, but from information found on myFICO I believe they just do a soft pull. I'm not even 100% sure if this was due to my e-mail on Sunday or it just happened to occur at the right time, making the illusion that it worked!
@earlyKY & e35
It's not hard to figure out the CEO of FingerHut, a little research and you'll get the name. Then you just need to try the common e-mail name formats used by larger corporations, obviously they won't use e-mails like firstname.lastname@example.org!
I am in NC who does Fingerhut report to?
All 3 CRAs