Thank you.
I do see where you are coming from, but my main point was that given all of the denials that Cap 1 has been giving and all the reports of people saying that the response to cli requests were that they are currently reviewing their cli policies, I was not holding my breath that even with the credit steps program that I would get an increase. In essence that they would stop the auto cli, drop the program (without even telling us - it is Cap 1 we are talking about here), or change it to make it more difficult to get a cli or take longer.
Starting Score: 634 EQ-FICO (4/20/12) 579 EX-FAKO (4/30/12) 629 TU-FICO (5/6/12)