Hey you all,
It has been such a long time since I last posted, but I wanted to give you all this update. It really came as a shock to me.
Background:
Towards the end of last year I went through a debt restructing period, which means more apps and more new accounts. The reason for this, I am currently in the process of starting my own business and wanted to allocate time towards that. So I quit the job that I was working with and Ive been using my savings, until recently, to pay bills.
With that being said my income is NO where, where it used to be and becuase of that I have NOT touched any of my cards to request for CLI or anything.
As of now I have had some increases in balances and that has caused a pretty big dip in my FICO score. But Ive never had a late or any other derogatory info on my credit history.
I say all of that to say. Im not in the best position right now. BUT BOA (the stingiest bank that I know) gave me a random CLI 
!!! From 12k to 15k. and I have a balance on the card. So its definitely surprising as Ive only heard of BOA giving out auto CLI's to those with dang near perfect credit!
What is you all's take on this? I am pleasently surprised as Ive been trying to avoid the oppsite like a CLD!
Well I just wanted to share this with you all and kind of hear your thoughts. Its been a while since I've been on here so I dont know if BOA has become more lenient.
Congrats on your auto increase. To my knowledge, Boa has not become more leniant. Autos seem to be rare indeed with Boa but getting one is a great sign
. Whats your Fico look like in comparison to before?
. Whats your Fico look like in comparison to before?
Ah, dont worry about that. Itll go back up and main thing is you know whats keeping it down. Once your balances are down youll reap the fruits of the Fico labor
Takes alot of courage to quit your job and start a new business. I wish you all my best for future success
Takes alot of courage to quit your job and start a new business. I wish you all my best for future success