@Vu wrote:
Sorry for the late reply and for resurrecting an old thread.
And you all are correct. The scores they used are all over the place, with different scoring models and not the most recent pull when the CLI is requested.
The reason I have been trying to get CLI because I have just recently closed on my new home last month. A lot of shopping to do so just wanted the extra CL to soften the blow of high utilization coming up soon.
If that is the case you might need to wait a little as your address updates. It takes a reporting cycle for a lender to put it in. That is one of those things that can throw an automated system off for no obvious reason and cause an auto-denial.
TU:816 12/19/24 Bank of America--EX: 809 01/03/25 Experian--EQ:836 01/06/25 myFICO--Gardening since N/A
Active:
Bank of America (Customized Cash Rewards VSC, Unlimited Cash Rewards WMC{PT}), Capital One (Discover It DC, Savor WEMC), Chase (Amazon Prime VSC, Freedom Flex WEMC [x2]), Citi (Custom Cash WEMC, Dividend MC), Citizens GreenSense WMC, Curve WEMC{S}, FNBO Ducks Unlimited VSC, GBank VSC, Imprint Rakuten AC, PenFed Pathfinder Rewards VSC, Santander Ultimate Cash Back WMC, Synchrony (OnePay Walmart CashRewards MC, PayPal Cashback WMC), UMB Simply Rewards VSC[Milford Federal], US Bank (Cash+ VSC [x2], Kroger Rewards WEMC, Pick n Save/Metro Market Rewards WEMC, Shield VC)
Wishlist: AAA Daily Advantage, AOD Signature, Aven, Bellco Colorado Rewards, Nusenda Platinum Cash Rewards, PCMCU Platinum Rewards, Redstone FCU Signature
