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Ducks up!! >2x CLI

Birdman7
Super Contributor

Ducks up!! >2x CLI

Well it’s been six months so I called for my increase from FNBO; they gave me 3500 on top of my original 3000 for a grand total of 6500!! Quack quack!! Thanks to @SarahJo for all her guidance.
-Scoring wisdom: General Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
CassieCard’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.




(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 1 of 19
18 REPLIES 18
Openwater
Frequent Contributor

Re: Ducks up!! >2x CLI

Congrats on the Ducks, Cheers!




Discover 22K ---------------------------- Credit Union MC 12K
Cap1 QS 10K ---------------------------- Barclay 3.4K
AMEX Blue Cash AU 15.5K ------ Barclay Apple AU 10K
AMEX BCP 22K
2 Installment loans:
Auto 15K / 39K ---------- Auto 28K / 39K
Vantage 3.0: TU:738 EQ: 737 03-17-2020
Ch. 7 DC 12/2014
Message 2 of 19
AllZero
Super Contributor

Re: Ducks up!! >2x CLI

Congratulations on your CLI!
Message 3 of 19
Traveler101
Frequent Contributor

Re: Ducks up!! >2x CLI

Congrats!

Message 4 of 19
AverageJoesCredit
Mega Contributor

Re: Ducks up!! >2x CLI

WHAT THE DUCK!!! 🦆🦆🦆

Message 5 of 19
Ficoproblems247
Valued Contributor

Re: Ducks up!! >2x CLI

AFLAC!


FICO 8: June '21 EX 751 EQ 746 TU 744
Message 6 of 19
CassieCard
Senior Contributor

Re: Ducks up!! >2x CLI

That's a 116.67% increase. Or 117% using FICO math. lol

 

I'm so glad that you also got something nice this Valentine's Day!

 

dcCmqR8

Message 7 of 19
jazmar
Established Contributor

Re: Ducks up!! >2x CLI

Congratulations. $3250 for each Duck.Smiley Happy




Message 8 of 19
Birdman7
Super Contributor

Re: Ducks up!! >2x CLI

Now where was that US Bank SP thread....lol
-Scoring wisdom: General Scoring Primer, Payment History, Amount of Debt, Length of History/New Credit, Mix/Disputes/Freezes/Searches, Mortgage Scores/Negative Reason Codes/V.9, Helpful Links,
CassieCard’s Reason Statements Thread,
iv's friendly statement to reason statement concordance,

ccquest’s Workbook to calculate metrics.
Clean/Thick/Mature/No New Revolver - 8,9; Clean/Thick/Mature/No New Account - 5/4/2.
Correct Ag.Util. under 5% all times. (Oldest/avg varies. Estimates above.)
Real world mortgage maxes are: EQ5-818, TU4-839, EX2-844.




(Everything said is JMHO and is not endorsed by FICO or MF. I have no affiliation with either, just a grateful member.)
Message 9 of 19
CassieCard
Senior Contributor

Re: Ducks up!! >2x CLI


@Birdman7 wrote:
Now where was that US Bank SP thread....lol

palpatine-credit-seeking.jpg

Message 10 of 19
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