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Overstock $800 CLI

ComeBackLady
Established Contributor

Overstock $800 CLI

Yay! Yes as you can see, I am still in my first 12 months, just past 10 months, of credit rebuilding. So, I'm in the Thrilled By Every Little Thing Phase. I was reading about how you can ask Overstock for a CLI every 30, 31 days. And that usually it's a SP (🥳🥳🥳). That an Apply for Credit Increase or whatever it said exactly will display at your Comenity payment area on login. Well, I am proud to announce that after I set up my first payment for 2.5 weeks from now and then logged back in the BUTTON displayed. All it did as ask my annual income and 💥 I got it to $1050 CL from my previous puny $250 which was enough for the Dollar Value Items at McDonald's. 😂 We actually do want to do some mild backyard patio area improvements. This is a step in the right direction. 

Delighted to get my increase to over $1k. Question please. I have about a $35k p/year income right now. About how much does OS grant p/increase have you all experienced, please? I probably want it around $2.5-3K + before I'm getting the back patio stuff. I want that when I purchase, it'll be <29% to start on that one card. 

Very happy to get to over $1K unlike Cap1's one breadcrumb at a time increases. 😂😂😁😇

Starting Score: June 2020: 502
Current Score: EX: May 15 - 687, EQ: APR 2021 – 668, MAY 2021 – 726, APR 26 - TU: 673
May 15 - TU: 697

Goal Score: Good: 670 by May ✅. By JUN 675✅,
Come on 680 across all 3 ✅, 690’s by JUN. Over 700 in 2021, ideally 725plus, 805 LT
Inquiries: 30/0, 60/1, 90/6, 12/13
TCL: JUN 2020 $700, MAY 2021 $13,051
AAoA 1 YR 6 Months AoYA 7 weeks
2021 Goal Cards: NAFs and $5K CL’s


Bank and Credit Union Memberships:

Take the myFICO Fitness Challenge

24 REPLIES 24
AllZero
Super Contributor

Re: Overstock $800 CLI

Congratulations on your CLI!
Message 2 of 25
ComeBackLady
Established Contributor

Re: Overstock $800 CLI


@AllZero wrote:
Congratulations on your CLI!

Thank you! ☺️

Starting Score: June 2020: 502
Current Score: EX: May 15 - 687, EQ: APR 2021 – 668, MAY 2021 – 726, APR 26 - TU: 673
May 15 - TU: 697

Goal Score: Good: 670 by May ✅. By JUN 675✅,
Come on 680 across all 3 ✅, 690’s by JUN. Over 700 in 2021, ideally 725plus, 805 LT
Inquiries: 30/0, 60/1, 90/6, 12/13
TCL: JUN 2020 $700, MAY 2021 $13,051
AAoA 1 YR 6 Months AoYA 7 weeks
2021 Goal Cards: NAFs and $5K CL’s


Bank and Credit Union Memberships:

Take the myFICO Fitness Challenge

Message 3 of 25
M_Smart007
Epic Contributor

Re: Overstock $800 CLI

Congratulations on your CLI ...

Message 4 of 25
ComeBackLady
Established Contributor

Re: Overstock $800 CLI


@M_Smart007 wrote:

Congratulations on your CLI ...


Thank you so much. I appreciate with all the so many posts that you've done how you come in and encourage all of us whatever the stage of our rebuilds. 🙏🏻

Starting Score: June 2020: 502
Current Score: EX: May 15 - 687, EQ: APR 2021 – 668, MAY 2021 – 726, APR 26 - TU: 673
May 15 - TU: 697

Goal Score: Good: 670 by May ✅. By JUN 675✅,
Come on 680 across all 3 ✅, 690’s by JUN. Over 700 in 2021, ideally 725plus, 805 LT
Inquiries: 30/0, 60/1, 90/6, 12/13
TCL: JUN 2020 $700, MAY 2021 $13,051
AAoA 1 YR 6 Months AoYA 7 weeks
2021 Goal Cards: NAFs and $5K CL’s


Bank and Credit Union Memberships:

Take the myFICO Fitness Challenge

Message 5 of 25
kittycreditmeow
Frequent Contributor

Re: Overstock $800 CLI

Congratulations on the Overstock CLI! 🙂

Credit Cards, Loans & Store Cards

Bank and Credit Union Memberships


Available Credit - $10,600
Util: 16%. Inquiries: TU: 43 EX: 31 EQ: 22
Gardening Until: March 28, 2023
AaOA: 1 Year & 6 Months

Fico 8 Scores Current as of March 2021

Fico 8 Scores Post BK

Bankruptcy Discharged: November 1, 2019
Message 6 of 25
GApeachy
Super Contributor

Re: Overstock $800 CLI

@ComeBackLady this is a happy post.  Believe it or not, these are the most exciting moments....the first big steps.  Enjoy this and all that will follow in due time. Have fun with your backyard project once it's underway and congrats!

#i❤️comenity

"My Take Home Pay Don't Take Me Home"
Message 7 of 25
CreditAggie
Senior Contributor

Re: Overstock $800 CLI

Congratulations on your Overstock CLI!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 8 of 25
gdale6
Moderator

Re: Overstock $800 CLI

Nice on the bump up Smiley Happy

Message 9 of 25
ComeBackLady
Established Contributor

Re: Overstock $800 CLI


@GApeachy wrote:

@ComeBackLady this is a happy post.  Believe it or not, these are the most exciting moments....the first big steps.  Enjoy this and all that will follow in due time. Have fun with your backyard project once it's underway and congrats!

#i❤️comenity


Thank you! I do enjoy the every little bit increase. 🪴 Meanwhile I'm enjoying plotting the improvements. 

Starting Score: June 2020: 502
Current Score: EX: May 15 - 687, EQ: APR 2021 – 668, MAY 2021 – 726, APR 26 - TU: 673
May 15 - TU: 697

Goal Score: Good: 670 by May ✅. By JUN 675✅,
Come on 680 across all 3 ✅, 690’s by JUN. Over 700 in 2021, ideally 725plus, 805 LT
Inquiries: 30/0, 60/1, 90/6, 12/13
TCL: JUN 2020 $700, MAY 2021 $13,051
AAoA 1 YR 6 Months AoYA 7 weeks
2021 Goal Cards: NAFs and $5K CL’s


Bank and Credit Union Memberships:

Take the myFICO Fitness Challenge

Message 10 of 25
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