Valued Contributor
Posts: 2,374
Registered: ‎03-15-2007
Re: wells Fargo cli?
As a general rule, I don't recommend going for CLIs more than once every six months. Most banks and CCCs will do a hard, and you don't want those piling up.

The exception would be if you had a truly significant (I mean 40 points or more) increase in FICO score generated by removing your most recent baddie. If three months ago your FICO was, say, 643 and your most recent baddie was eighteen months ago, and now your FICO score is 696 and your most recent baddie is now 3 years old, then go for it. Otherwise, resist the temptation.
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in a credit-scoring postnuclear Stone Age...