No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
So I just tried for an auto cli, and was denied. I am assuming it was because an old report was used and that showed high utilization across the board. But before I had done so, a customer service manager told me when i hit the button, a soft pull would be generated right then and there and an older soft pull would not be used. My limit is 1700 with perfect history on all my cards and FICO is 710 with an AAoA about 15 months. Is there anything i can do aside from requesting a hard pull be used to reconsider?
@Anonymous wrote:So I just tried for an auto cli, and was denied. I am assuming it was because an old report was used and that showed high utilization across the board. But before I had done so, a customer service manager told me when i hit the button, a soft pull would be generated right then and there and an older soft pull would not be used. My limit is 1700 with perfect history on all my cards and FICO is 710 with an AAoA about 15 months. Is there anything i can do aside from requesting a hard pull be used to reconsider?
Can you check backdoor and see if a SP was actually done today?
Do you know the number?
No reason to decline me. My report is almost flawless.
I have 12 months that have reported.
@Anonymous wrote:
@Anonymous wrote:So I just tried for an auto cli, and was denied. I am assuming it was because an old report was used and that showed high utilization across the board. But before I had done so, a customer service manager told me when i hit the button, a soft pull would be generated right then and there and an older soft pull would not be used. My limit is 1700 with perfect history on all my cards and FICO is 710 with an AAoA about 15 months. Is there anything i can do aside from requesting a hard pull be used to reconsider?
Can you check backdoor and see if a SP was actually done today?
This is your friendly neighborhood mod with a public service announcement reminder to be careful... advocating getting a credit report using false pretenses can get a post edited or thread locked, as it's against the forum's TOS.
I'm not saying you are suggesting this... this message is just a general PSA. ![]()
Im not sure i understand what you are saying or implying.