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FNBO HP CLI Denial

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Valued Contributor

FNBO HP CLI Denial

I got an BT offer via email from FNBO (fixed rate of 6.9% until paid off -- transferred debt can be loan or CC), but because my limit is only 8K the amount available is somewhat limited (I think caps at 85% of available balance). So I called to see about getting a bigger CL.

 

CSR asked when last CLI and it was 2 months ago. At that time it was SP and CSR said I could try HP for more. I passed then. This time I said YES and the result after going to UW was NO. I haven't yet received the denial letter but I was told too many inq was one of the reasons. 

 

They pulled EX. Fico 08 at the time was 724. Inq were: @3 (3); @6 (12); @12 (14); @24 (17). Now add plus 1 to all. 

 

So sad.

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (9/12/2019): FICO 08 EXP: 737; TU: 741; EQ: 752
2019 Goal Score: 800 across the board


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2 REPLIES 2
Moderator

Re: FNBO HP CLI Denial

I'd be curious to see what reasons they cited, but sometimes these things happen. Personally, I would've waited for the next SP CLI offer to be honest. But, what's done is done 😉
Message 2 of 3
Valued Contributor

Re: FNBO HP CLI Denial


@FinStar wrote:
I'd be curious to see what reasons they cited, but sometimes these things happen. Personally, I would've waited for the next SP CLI offer to be honest. But, what's done is done 😉

I've no idea when that would be. The impetus for my CLI (BT offer) expires 12/31, so NOW seemed reasonable. Paid the price of admission (HP). Alas.

 

What's done is done. (should be a signature line)

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (9/12/2019): FICO 08 EXP: 737; TU: 741; EQ: 752
2019 Goal Score: 800 across the board


Take the myFICO Fitness Challenge
Message 3 of 3
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