CSP: CLI of $5k Approved - Feel like I should have asked for more

[Anonymous]

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@Creditaddict wrote:

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@medo wrote:

So I decided to ask for a CLI on my CSP from $10,500 to $15,500.  They approved the request, but I feel like I should have asked for me.  

Do you think if I called back in to see if I am eligible for a higher amount if they will use the last hard pull?

I asked the CSR about asking for more than needed and she said that they would not counter.  It is either approved or denied, so I didn't want to go all crazy.

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that's not true because they have credit analysts you can call into and talk to directly!

Id call direct to them and ask if they will review the same hp for more:

888-245-0625

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Very good info!  Thanks so much! 

[OmarGB9]

Grats!

[j615]

Please excuse my manners. I forgot to say congratulations on the increase!

[alextercero]

Congrats

[medo]

Thanks guys.

I went ahead and submitted a secure message to see if they can use the most recent hard pull to swing $17k.  If it fails, I'll call the number mentioned.

I'll be sure to update you on what they say!

[Scupra]

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@medo wrote:

Thanks guys.

I went ahead and submitted a secure message to see if they can use the most recent hard pull to swing $17k.  If it fails, I'll call the number mentioned.

I'll be sure to update you on what they say!

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Good luck and thank you!

[medo]

So an update

1. They WILL counter your request if they cannot approve your requested amount. So pissed on this point since I received bad information from the CSR I spoke with.

2. They would require another hard pull, but only from a credit bureau that they did not pull.  If for some reason they pull the same credit bureau, becuase it is so close to the date the original request was done, it would not be a second hard pull on that bureau.

Now I know... just wish their CSR were more trained on their policies.

I did not want to do a formal request for another CLI since I had just got one so recently.  Kinda looks bad.  So I'll wait.