Is HP only way to update credit score?

[SouthJamaica]

I applied for a luv button CLI on Cap I Venture Card. Was denied because credit score too low -- EQ 704.

The credit score they referred to was my Equifax FICO from March 31st -- i.e. from over 2 months ago. My present

EQ score is 715.

Any idea on

(a) what level my score should be before I try again? and

(b) when they'll have the more current score on hand?

Perhaps I should wait until my score reaches the right level and then ask for a HP for my CLI request?

(Hate to generate HP's, though, in my present condition )

[SouthJamaica]

Any thoughts on this?

[Existentialist]

The luv button can be very 'iffy' @ times. Given the reason for denial I'd venture (no pun intended) that wasnt an accurate assessment as much as a standard 'softball' (ie: score was less of a factor than indicated). Many ppl hav forgone (for the most part) utilizing the luv button in favor of chat or direct call EO requests (depending on issuer). Establish upfront if request is SP or HP. Otherwise dont be bummed about the luv button denial - it happens and doesnt mean U still cant get the CLI via other means.

[Skye12329]

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@SouthJamaica wrote:

I applied for a luv button CLI on Cap I Venture Card. Was denied because credit score too low -- EQ 704.

The credit score they referred to was my Equifax FICO from March 31st -- i.e. from over 2 months ago. My present

EQ score is 715.

Any idea on

(a) what level my score should be before I try again? and

(b) when they'll have the more current score on hand?

Perhaps I should wait until my score reaches the right level and then ask for a HP for my CLI request?

(Hate to generate HP's, though, in my present condition )

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Capital One always softpulls for line increases. The reason they may have gotten this score is because that is the last time they soft pulled your credit. A hard pull is not needed to update your score, some lenders just soft pull whenever and that may have been the last time Capital One soft pulled. 

[CreditCuriosity]

Cap1 is famous for usually SP's from months back also they use EQ04 score not 08 scores..  I hit use to hit it daily until I got desired results as it didn't hurt me any..  Or just contact EO for manual review if you think a CLI is justified