Read through lots of forms regarding this subject. Yes the 3x cli works. My account was opened May 15 and did cli for 3x cli on Jul 6. 55 days. Approved instantly. Sp. fico experian is 748 with 10% Util. no baddies in 3 years which are holding me back from a higher score. did mortgage mod in 2012 and bank told me not to make payments in order to qualify. i qualified but cost me back to back 30 day lates on mortgage. Waiting on 2019 to fall off.
