@Anonymous wrote:
@K-in-Boston wrote:
I’ve been asking every 3-5 months for about 2 years and have seen massive gains until I seem to have been cut off at $99,900 about 3 months ago. Mostly $5-20k at a time for myself and DW.
This is kind of like what Im talking about, so you probably have 6-8 inqs from Boa alone in those 2 years?
Dont you feel like in the same 2 years you could have gotten to 100k with less inqs, say every 6 months, getting bigger cli increments instead?
It depends on how one views how much a HP is worth. Those that already have accounts established don't want to add more credit lines but just want to increase the limits available. Why some like AMEX with their current CLI system. Me personally I don't mind using HPs at this point with no future loans/mortgages in my future and wanting to limit the effects of AAoA with any new accounts. But I also acknowledge that BofA seems to be the only one worth doing HPs for if you have the profile to get those limits.
I don't think letting time go between requests does much to change what BofA decides as far as granting requests unless your credit scores change dramatically during those periods of time since they pull TU. I guess income and assets probably also play a part but for general purposes scores are the main determining factor for a lot of poeple here on this forum.
