BBVA appears to require a year for CLI requests

[FinStar]

There are some exceptions to that 'policy' since YEMV. But, in general, most customer-initiated requests are recommended after 12 months for better positioning. And, even at that mark, no guarantee on the CLI with the HP, hence why a variety of patient folks prefer the auto-CLI route for better results and if the account qualifies.

The HP will age with the others from recent activities, no? Part of the no risk, no reward logic I suppose. Plus, the CSRs are really not as well-versed on the process since all they do is submit the request.

This goes back to the very first BBVA products known here on the site, including the infamous [FOTM] BBVA NBA AmEx.

[Anonymous]

Yes the inquiry will age up with the rest of my little run on apps and since it was on TU and not EX like the other four that I took, I guess it’s not a huge deal. It’s just annoying that even NFCU won’t HP you if it hasn’t been long enough (got that letter today too). I would be fine if there were other reasons on there but it’s a bit of a slap in the face to take an HP and be denied because the rep didn’t bother to look at the account age before submitting the request. I will live though and maybe that attempt will push the system to auto me next month. 

[Anonymous]

Now see I would have expected EX again as well since that's what they use for new accounts.  TU is an interesting DP as well.

*making notes*

[Anonymous]

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@Anonymous wrote:

Now see I would have expected EX again as well since that's what they use for new accounts.  TU is an interesting DP as well.

*making notes*

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FWIW they used to actually be a TU puller from my research. EX actually seems to be somewhat recent of a development but I’m never really surprised when a creditor pulls from a different bureau honestly. It does surprise me that they’re using such an old score model though!

[Anonymous]

When I did the SP thing on an additional card they used EX and provided VS3.0 and Fico 9.  822/814

[Anonymous]

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@Anonymous wrote:

When I did the SP thing on an additional card they used EX and provided VS3.0 and Fico 9.  822/814

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Right. New apps have been EX lately but they used to be TU so it doesn’t surprise me that manual review pulled TU.