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CLI'S While Gardening For Mortgage!!

jaeski33
Frequent Contributor

CLI'S While Gardening For Mortgage!!

So I recently closed on a new home purchase. The process started on May 21st officially then hit a snag with the home inspection and I had to which lenders. Oh well, In the meantime I've been racking up some CLIs from May -October. Peviously, I hadn't acquired any inquiries since 10/2018 other than the mortgage inquiries in May and again in Sept. I've been letting my accounts AGE. Lol They are listed as follows: PayPal 5,000 - $8,000 SP Sportman’s Visa 1100 - $1,900 - $2,000 SP Wayfair +$1,500 SP Overstock +$1,500 +$2,000 SP Lowes 10,000 - $15,000 -$17,000 - $25,000 SP Amazon 600 - $3,100 - $5,000 - $6000 SP Care Credit - $15,000 - $20,000 SP Discover – 9500- 14,500 - $16,000 SP Mercury MC - $3,800 - $5,500 SP Walmart - $6,000 - $9,000 SP USAA Platinum CLI - $4,000 HP EX [Pulled after Mortgage app] Wells Fargo - $7,500 - $9,400 SP (called in) Penfed - $4,000 HP EQ [Pulled after Mortgage app] Amex BCE -$500-$1,500 SP Costco Visa - $5,500 - $7,500 SP CapOne Quik Silver PC'd to Venture - $16,500 - $19,500 SP TFCU Increase HP EQ 743 $8,100 - $20,000 [After closing was final] Best Buy/ Citi HP EQ 743 +$10,000 - $15,000 [After closing was final] I didn't want to open any new accounts



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 1 of 17
16 REPLIES 16
AllZero
Super Contributor

Re: CLI'S While Gardening For Mortgage!!

Congratulations on your CLIs!
Message 2 of 17
jaeski33
Frequent Contributor

Re: CLI'S While Gardening For Mortgage!!

Thank you!



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 3 of 17
Obscure-Expert
Valued Contributor

Re: CLI'S While Gardening For Mortgage!!

5 month closing... that takes the GOLD for longest closing / purchase process!!!

 

They are listed as follows:

PayPal 5,000 - $8,000 SP

Sportman’s Visa 1100 - $1,900 - $2,000 SP

Wayfair +$1,500 SP

Overstock +$1,500 +$2,000 SP

Lowes 10,000 - $15,000 -$17,000 - $25,000 SP

Amazon 600 - $3,100 - $5,000 - $6000 SP

Care Credit - $15,000 - $20,000 SP

Discover – 9500- 14,500 - $16,000 SP

Mercury MC - $3,800 - $5,500 SP

Walmart - $6,000 - $9,000 SP

USAA Platinum CLI - $4,000 HP EX [Pulled after Mortgage app]

Wells Fargo - $7,500 - $9,400 SP (called in)

Penfed - $4,000 HP EQ [Pulled after Mortgage app]

Amex BCE -$500-$1,500 SP

Costco Visa - $5,500 - $7,500 SP

CapOne Quik Silver PC'd to Venture - $16,500 - $19,500 SP

TFCU Increase HP EQ 743 $8,100 - $20,000 [After closing was final]

Best Buy/ Citi HP EQ 743 +$10,000 - $15,000 [After closing was final]

 

I didn't want to open any new accounts   This is usually the opposite of everyone else... Good holding the line and not succumbing to the peer pressure of a Spree post closing.

 

I'm not sure though if these are cumulative CLI's over the last 6 months or since they were opened... it's not very clear but, you've defintely made some progress with some of them.  I just wanted to clean them up into an easier to read format for anyone else coming along since that phone post was a little too condensed to clearly see your progress.

500K+ TCL / 800+ FCOs
Message 4 of 17
jaeski33
Frequent Contributor

Re: CLI'S While Gardening For Mortgage!!

These are from May - October. I have dates but I opted to just post a spread spanning that period. When I switched lenders we practically were ready in 3wks with USAA since I had the appraisal already completed from the incompetent process from the previous debacle. LOL



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 5 of 17
Steve891
Senior Contributor

Re: CLI'S While Gardening For Mortgage!!

Congrats on your increases!




Message 6 of 17
jaeski33
Frequent Contributor

Re: CLI'S While Gardening For Mortgage!!

Thank you!



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 7 of 17
M_Smart007
Epic Contributor

Re: CLI'S While Gardening For Mortgage!!

 

Congrats  .. looks like Gardening works!Smiley Happy

 

"Why So Serious?"
Message 8 of 17
Obscure-Expert
Valued Contributor

Re: CLI'S While Gardening For Mortgage!!


@jaeski33 wrote:
These are from May - October. I have dates but I opted to just post a spread spanning that period. When I switched lenders we practically were ready in 3wks with USAA since I had the appraisal already completed from the incompetent process from the previous debacle. LOL

Picking a good lender that has their stuff together is always a smoother process.  Sometimes it's hard to do. I've had buyers have similar issues when selling my properties in the past.  I have luckily had good lenders on the buying side though.  I tend to put pressure on them by telling them they have 3 weeks to pull everything together and that usually works well to getting to the finish line on time.  I had 1 though that needed a 1 week extension but did close on time on 2 transactions simultaneously the same day.  

500K+ TCL / 800+ FCOs
Message 9 of 17
Bbcatcher
Valued Contributor

Re: CLI'S While Gardening For Mortgage!!

Congratulations!



Message 10 of 17
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