Hi AverageJoesCredit. Yes, paying down my credit card balances is the BEST way to lower my UTI. That is exactly what I am doing in preparation for a mortgage loan in 8 months. The additional CLIs will help me reach my goal of 10% overall UTI. 
Thank you CreditAggie!
Thank you mrcraft!!
Thank you slickwidit!
Thank you Bowiefan! You are so kind.
Thank you MeanmChine!
@BrownSugah66 wrote:
Comenity Bank is feeling very generous right now! On yesterday while reviewing my most recent CRA reports, I decided to check to see if I could get a CLI on my 3 Comenity Bank store cards to help bring down my overall UTI. I plan to apply for a mortgage within the next 8 months and currently had an overall UTI of 70% prior to the CLIs. Here are the results that I received instantly: William Sonoma: Orignially $1,000 / $0 balance / CLI to $2,500 Ulta Ultimate Card: Originally $500 / $0 balance / CLI to $1,000 Victoria's Secret: Originally $400 / $0 balance / CLI to $900 Hoping these CLIs lower my UTI to at least 65%
Congratulations @BrownSugah66 !! You are indeed going
in the right direction. I think Comenity left me with 1 card
after closures for inactivity. Good on you :-)
Enjoy your success!!!
Cheers
Congratulations! Cha-Ching!
