topic Re: Dell Finance CLI in General Credit Topics

Dell Finance CLI

illcrew3 — Mon, 20 Aug 2007 17:21:36 GMT

I just requested a CLI from Dell and got it!!!!! Was 1,500 and is now 3,500!!!!!!!!

Re: Dell Finance CLI

Anonymous — Mon, 20 Aug 2007 17:31:47 GMT

WOW, That is awsome.

I was thinking about calling them for an increase also. Tell me more. Did they do a credit check? How long have you been a customer, etc.... I would sure like to know more before I ask. How do you expect the increase to effect your score or UTl?

Thanks,

Re: Dell Finance CLI

illcrew3 — Mon, 20 Aug 2007 17:57:26 GMT

I have been with them for a year but never used the account. The only reason I requested a CLI was to help my util. I specifically asked if I would get an inquiry and they said they would only pull a soft. I called paypal buyer credit for a CLI but they denied me.

Re: Dell Finance CLI

Anonymous — Mon, 20 Aug 2007 18:04:28 GMT

I recently asked Dell to decrease my interest rate and they did by 5%. So I called all of my creditors and most of them decreased my interest rate bay at least 5%. Be sure to ask about a decrease in interest rate as well when trying for credit limit increases. You might be surprised.

Re: Dell Finance CLI

illcrew3 — Mon, 20 Aug 2007 18:12:04 GMT

I don't intend to use the account at all I just got it to help my overall utill. I think I might still call and ask for a decrease in the interest in case I feel like splurging. I called BestBuy while responding to this and they denied me for the decrease. They said I have the lowest APR they offer.......

Re: Dell Finance CLI

Anonymous — Mon, 20 Aug 2007 18:42:45 GMT

How is a soft different than a hard pull from a creditors stand point. I mean what is the difference in what they see between the two? Do they still get a score with a soft pull. No I am curious. I am glad the only do a soft.

Thanks again.

Re: Dell Finance CLI

illcrew3 — Mon, 20 Aug 2007 19:04:47 GMT

A soft pull does not affect your credit. However a hard pull does. I don't know if they get your score with a soft pull but the basically review your report to see if your a risky person to lend to.

Re: Dell Finance CLI

Anonymous — Mon, 20 Aug 2007 20:06:48 GMT

Thanks for the notion to try. I got a $1500 CLI. I have been carring a balance (at 0% APR) on the Dell card, before I even knew about UTL and other stuff. That increase changed my UTL from about 74% to 35%.

Thanks Again

Re: Dell Finance CLI

Anonymous — Mon, 20 Aug 2007 20:28:36 GMT

What kind of scores for Dell?

Re: Dell Finance CLI

Platinum25 — Mon, 20 Aug 2007 20:46:09 GMT

What do your scores look like when you requested the CLI? When I opened they gave me $1500 and then a CLI up to $2200. I'm looking to buy a couple of pc's now and need more credit.

Re: Dell Finance CLI

illcrew3 — Mon, 20 Aug 2007 21:15:43 GMT

Wow guys sorry to make you run and get a CLI from Dell. I was told that they only do a soft pull but when I just checked my CR low and behold it was a hard pull. Im gonna send a Non Auth Inq letter right now and stick it to them.

Re: Dell Finance CLI

Anonymous — Mon, 20 Aug 2007 22:14:34 GMT

I'll eat the Inq. The drop in UTL will help more than it will hurt. As far as my scores go I don't even know who they pulled, and I havn't got FICO scores and I have had some Inqs and a couple of baddies removed. I should be around 600+. Sorry not much help.

Re: Dell Finance CLI

illcrew3 — Mon, 20 Aug 2007 22:15:57 GMT

They pulled Experian on me.