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Credit Pulls and Behavior Updating

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SoCalGardener
Valued Contributor

Re: Credit Pulls and Behavior Updating


@Remedios wrote:

Omg 😳 

 

Chunk. I meant chunk.  

Autocorrect, destroying lives since 2011. 

 


Not mine! I disable auto-correct across the board, laptops, desktops, smartphones, tablets, any app, any program, poof! Auto-correct is gone! Smiley Very Happy

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Message 11 of 13
brk1971
Frequent Contributor

Re: Credit Pulls and Behavior Updating


@SoCalGardener wrote:

@Remedios wrote:

Omg 😳 

 

Chunk. I meant chunk.  

Autocorrect, destroying lives since 2011. 

 


Not mine! I disable auto-correct across the board, laptops, desktops, smartphones, tablets, any app, any program, poof! Auto-correct is gone! Smiley Very Happy


If you do that, how on earth do you ever tell somone "I live you" or "What the actual duck?" ( Smiley Tongue )

Fico8 = EQ 779, TU 802, EX 771 (6/22/2022), util = 6.5% ish
INQ in 12 mo: EQ 4, TU 4, EX 7
Cards: NFCU: Flagship VS $45k, Plat $24.3k, Plat $10.7k | Amex: Delta Reserve $50k | Citi: DC WE MC $28.8k | Discover: It $22.5k | Barclays: Juniper $15.25k | USAA: PCR VS $15k, RA $5k | UMB: SR VS $15k | PenFed: Path VS $20k, Plat Rew VS $15k | Synchrony: Lowes’s store $25k | Truist: Bright $10.5k, Bright $6.5k | Cap1: Venture1 Plat MC $10.3k, Kohls store $3k | Comenity: MyCash MC $17.5k | Wells Fargo: AC $10.3k | TD Bank: Target MC $6k (Reports as retail card despite now being MC) | BoA: CCR VS $30k | Affinity FCU: Premium VS $25k
Message 12 of 13
Anonymous
Not applicable

Re: Credit Pulls and Behavior Updating

Just an update in case anyone was curious.

 

I waited 1 cycle as everyone suggested and then went for CLI's with my cap1 cards, both offered $100 increases. I accepted on the card I never use and rejected on the card I put heavy spend on. Waited about 3 weeks, tried again and received a $1500 increase on the heavy spend card which I accepted. App'd for a new card with a new lender and received a SL 3x my Cap1 cards.

 

So in summary, essentially maxed out across all cards for over 6 mos, PIF all cards and within 60 days scores jumped up to the highest ever. Heavy spend and pif each cycle on Cap1 and 1.5 mos latter received $1500 cli.

Message 13 of 13
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