topic Re: CLI - does inquiry appear if u call and ask for increase? in Understanding FICO® Scoring

CLI - does inquiry appear if u call and ask for increase?

Anonymous — Mon, 07 May 2007 19:41:14 GMT

Just curious....will an inquiry appear on CR if you call and request a cli? I have 3 cards that say the automatically review credit for cli but only 1 has done it automatically. They all have low limits ($600-$500 limits). If I call to inquire will this hurt my credit score? Don't want too many dings on my record.

Re: CLI - does inquiry appear if u call and ask for increase?

Anonymous — Mon, 07 May 2007 19:43:37 GMT

Each lender is different. Ask if they will do a hard pull for a CLI request. If so it will show but depending on your recent request for credit it probably won't hurt much. Some will go ahead and offer or pull soft only it varies by creditor. I would personally wait til that new limit shows up on the bureaus from the new card.

Re: CLI - does inquiry appear if u call and ask for increase?

Anonymous — Mon, 07 May 2007 19:45:53 GMT

You can call and yes they will pull a fresh report so you might incur a slight ding, I just had 3 inquiries and took 2 pt ding. was worth it as i got 2 out of the 3 approved.

Re: CLI - does inquiry appear if u call and ask for increase?

Anonymous — Mon, 07 May 2007 19:49:07 GMT

dekrist wrote:
You can call and yes they will pull a fresh report so you might incur a slight ding, I just had 3 inquiries and took 2 pt ding. was worth it as i got 2 out of the 3 approved.

Congrats on the CLIs , but don't assume the ding was a result of the inquiries.

Re: CLI - does inquiry appear if u call and ask for increase?

Anonymous — Mon, 07 May 2007 19:52:10 GMT

Tks. your right I shouldn't assume anything as far as scoring goes.

Re: CLI - does inquiry appear if u call and ask for increase?

Anonymous — Mon, 07 May 2007 20:14:47 GMT

Thanks dekrist....got 2 for 2 cli's...

Re: CLI - does inquiry appear if u call and ask for increase?

Anonymous — Mon, 07 May 2007 21:20:20 GMT

congrats!

Re: CLI - does inquiry appear if u call and ask for increase?

Anonymous — Mon, 07 May 2007 23:46:34 GMT

Gotta call one back tomorrow...Gave them wrong gross monthly income....ummm kinda forgot I get paid TWICE a month Blame it on it's Monday and a sunny day....hahaha. Will stick with cli got today and not go for another one. Just gonna make sure they have right goss income.

Message Edited by fiskite on 05-07-2007 04:46 PM

Re: CLI - does inquiry appear if u call and ask for increase?

Anonymous — Tue, 08 May 2007 04:20:41 GMT

I switched from an AmEx charge card to an AmEx Blue credit card, and when they asked my income I said I preferred not to provide that information. I was surprised when they accepted that!