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CLI's with all reports frozen!

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Frequent Contributor

CLI's with all reports frozen!

Still in the garden, so I decided to request some increases since my scores have been steady rising. Sync/Amazon approved an additional $1500 and NFCU approved an additional $2500 on one card, I just now requested a CLI for my second NFCU card so I'll report back on that one. Also tried Discover but that was a no-go. All this was done with all three reports on ice.




BK7 DC 1/2/2018
Starting Score (1/7/2018): FICO 8 EXP 512
12/2020 FICO 8's: EXP 673 // TU 658 // EQ 688
TCL: $31,750 UTIL: under 1%


Time heals all wounds. Gardening until August 6, 2021.
Message 1 of 17
16 REPLIES 16
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Epic Contributor

Re: CLI's with all reports frozen!

Congratulations!

popcorn eating emoticon.gif

Message 2 of 17
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Moderator

Re: CLI's with all reports frozen!

Grats on your CLIs, they can access your report at any time even through a freeze as you do business with them. Typically they use their last SP account check to base the decision on.

Message 3 of 17
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Frequent Contributor

Re: CLI's with all reports frozen!


@gdale6 wrote:

Grats on your CLIs, they can access your report at any time even through a freeze as you do business with them. Typically they use their last SP account check to base the decision on.


I thought that was true, but I read and also heard from speaking with a rep today, that I would need to unfreeze my reports before requesting a CLI. I left them frozen and tried anyway and they went through, Amazon instantly, NFCU after review. I'm waiting for the snail mail for Discover's reasoning.




BK7 DC 1/2/2018
Starting Score (1/7/2018): FICO 8 EXP 512
12/2020 FICO 8's: EXP 673 // TU 658 // EQ 688
TCL: $31,750 UTIL: under 1%


Time heals all wounds. Gardening until August 6, 2021.
Message 4 of 17
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Valued Contributor

Re: CLI's with all reports frozen!

Congratulations on your CLIs!



Current FICO 8:

Credit Age:

Inquiries:

Goal Cards:


Message 5 of 17
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Established Contributor

Re: CLI's with all reports frozen!

Congratulations on your approval!

December 2020: Experian 687 Equifax 694 Transunion 701


Cards I Have:
Cap One QS: $600
Cap One QS1: $2,600
Discover It: $2,900
Cap One Walmart: $600
AMEX BCE: $1,000
Amazon Prime Store Card: $2,000
Overstock Store Card: $3,050

Wishlist Cards:
Citi Double Cash
Paypal Mastercard
Discover Cash Back
Cap One Savor


Gardening until Spring 2021



Total Utilization: 26%==>23%

Message 6 of 17
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Community Leader
Senior Contributor

Re: CLI's with all reports frozen!

Is this something new with synch?? Most always you normally have to unfreeze your report for a CLI.......................................

EXP 758 TU 783 EQ 729
Message 7 of 17
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Valued Contributor

Re: CLI's with all reports frozen!

Congratulations on your CLIs!!





Message 8 of 17
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Valued Contributor

Re: CLI's with all reports frozen!

Congratulations on your approvals!

Message 9 of 17
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Super Contributor

Re: CLI's with all reports frozen!

Congratulations on your CLIs!

Message 10 of 17
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