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4 CL Increases in One Day - All Soft Pulls

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LifeIsAHighway
New Contributor

4 CL Increases in One Day - All Soft Pulls

Hey all,


Just dropping by to share another "step up" on my credit rebuild ladder with everyone. Here are my Data Points for anyone interested:

  • The 29th of this month, I will be 38 months post-discharge.
  • I'm single & retired with an annual retirement income of $29,500.
  • My only debt is my house pmt of $570 which includes escrow.
  • My FICO 8 & 9 scores are accurate as of today.
  • I rotate my CC usage between cards each month but stick to AZEO with 1% utilization reporting each month.
  • I keep TU, EQ & EX frozen.

Now, onto the EXCITING news.... I've had a CC with BBVA with a CL of $700 since 02/2020. In the past few months, PNC bought out BBVA & my credit line remained the same during the transition. This morning I called PNC & asked if a CLI request was a hard or soft pull. The CSR advised that it would be a soft pull. She entered the request & got an immediate response. My CL increased from $700 to $3,000.


Next, I decided to try my luck with NFCU since I haven't requested an increase on any of my cards with them since last June. I called to make the request & was told it "could" be a hard pull. I explained that my CRs are all frozen & the NFCU rep said that if a hard pull was necessary I would be contacted by NFCU to unfreeze my reports. I requested a $5k increase on each of my 3 cards, for an overall CLI of $15k. Late this afternoon, I checked my NFCU accts & each of my 3 CL's had been increased the full $5k.


So, with no hard pulls, my total available CL's increased from $40,350 to $57,650 today. It's been a pretty good day!Smiley Happy


As always, sorry for the long post. I just try to provide as many details as possible. Wishing each of you a safe & fun-filled weekend & a credit journey filled with happy moments worth celebrating!

** SCROLL OVER ANY OF THE IMAGES BELOW FOR DETAILED INFO **

LOANS:

CREDIT CARDS:

Total CC CL $91,650 + HELOC CL $25,000 = Total CL $116,650

Ch7 BK Filed 10-29-2018
Ch7 BK Discharged/Closed 01-30-2019
Mortgage Reaffirmed in BK - Perfect Payment History Since Purchase

Fico 8 Scores - 05-2024


Fico 9 Scores - 05-2024
Message 1 of 13
12 REPLIES 12
CreditMagic7
Mega Contributor

Re: 4 CL Increases in One Day - All Soft Pulls

Congratulations on your productive results and rebuild with those CLI's!

Message 2 of 13
LifeIsAHighway
New Contributor

Re: 4 CL Increases in One Day - All Soft Pulls

Thanks @CreditMagic7 !!! As many know, it's days like today that make the long journey back worthwhile!Smiley Happy

** SCROLL OVER ANY OF THE IMAGES BELOW FOR DETAILED INFO **

LOANS:

CREDIT CARDS:

Total CC CL $91,650 + HELOC CL $25,000 = Total CL $116,650

Ch7 BK Filed 10-29-2018
Ch7 BK Discharged/Closed 01-30-2019
Mortgage Reaffirmed in BK - Perfect Payment History Since Purchase

Fico 8 Scores - 05-2024


Fico 9 Scores - 05-2024
Message 3 of 13
CreditAggie
Community Leader
Super Contributor

Re: 4 CL Increases in One Day - All Soft Pulls

Congratulations on your CLIs!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (April 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 4 of 13
LifeIsAHighway
New Contributor

Re: 4 CL Increases in One Day - All Soft Pulls

Thank you @CreditAggie ! I hit (& exceeded) my goal of $50k in CLs. So now it's time to garden for a long, long time. LOL!

** SCROLL OVER ANY OF THE IMAGES BELOW FOR DETAILED INFO **

LOANS:

CREDIT CARDS:

Total CC CL $91,650 + HELOC CL $25,000 = Total CL $116,650

Ch7 BK Filed 10-29-2018
Ch7 BK Discharged/Closed 01-30-2019
Mortgage Reaffirmed in BK - Perfect Payment History Since Purchase

Fico 8 Scores - 05-2024


Fico 9 Scores - 05-2024
Message 5 of 13
CYBERSAM
Senior Contributor

Re: 4 CL Increases in One Day - All Soft Pulls

Congrats on your CLIs 👍👍







                
Message 6 of 13
LifeIsAHighway
New Contributor

Re: 4 CL Increases in One Day - All Soft Pulls

Thanks @CYBERSAM ! Just glad to be back in the game. It's no fun being a bench warmer. LOL!

** SCROLL OVER ANY OF THE IMAGES BELOW FOR DETAILED INFO **

LOANS:

CREDIT CARDS:

Total CC CL $91,650 + HELOC CL $25,000 = Total CL $116,650

Ch7 BK Filed 10-29-2018
Ch7 BK Discharged/Closed 01-30-2019
Mortgage Reaffirmed in BK - Perfect Payment History Since Purchase

Fico 8 Scores - 05-2024


Fico 9 Scores - 05-2024
Message 7 of 13
babygirl1256
Senior Contributor

Re: 4 CL Increases in One Day - All Soft Pulls

Congrats on your 4 CL Increases in one day . . . keep working on rebuilding your credit . . . awesome job!

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 8 of 13
Borealis
Regular Contributor

Re: 4 CL Increases in One Day - All Soft Pulls

Congrats on your multitude of soft pull CLIs, and all the success you're achieving on your build! Oh, and I don't think there's any such thing as "too many data points." Smiley Very Happy 

March 2021- FICO8: EXP 549 / TU 571
November 2023 - FICO8: EXP 794 / TU 795 / EQ 836

Message 9 of 13
BigBS
Senior Contributor

Re: 4 CL Increases in One Day - All Soft Pulls

Congrats on the SP CLIs!

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 10 of 13
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