@haveus33nm3 wrote:I had recently gotten in over my head with utilization. Had an illness last summer and had to rely heavily on my credit cards to offset time lost from work. I was at about 97% spread out over 12 cards. To top it off, my car died and the repairs to get it back running would have cost more than the value of the car. I purchased a new car last month with a super high interest rate. A reliable car was a necessity, one with a great warranty. I live in the Atlanta area and commute about 2 1/2 hours a day. I need to get into a better position to refi as soon as possible.
I used my tax refund to pay down my utilization to 45% across all lines. Yes, I know it's not great, but it is an improvement. I paid off a few small ones in full and the remaining are all at about 50% or less. I am waiting for the updated balances to post and hope that I will see somewhat of an improvement in my scores. I was considering requesting a few cli's on my current cards once the balances post. My question is will the CLI's result in soft pulls or hard pulls? For instance, NFCU, if I get the 3-5 day message after requesting, will that mean they're going to manually review and cause an inquiry? I don't need anymore inquiries on my reports.
Cards I'm considering asking for CLI's - NFCU, VS, Walmart, CareCredit & Macy's
VS, WM, Macys will be SP. Care Credit is def HP for consumer initiated request. Dont know about NFCU
Most all will be SP, when in doubt make sure to ask prior to. Good luck with your credit journey and just know that before you know it you will look back and smile! 
