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Strong week of CLI (thanks to wisdom learned on this forum)

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Strong week of CLI (thanks to wisdom learned on this forum)

14 months ago I had a "OK" score but very thin file, lender told me this when they didn't give me rockstar rate on a car loan.   So I spent 2018 builidng up my file, -aggressive but (moslty) smart thanks to wisdom on this forum.  When 2019 hit, my goal was no new cards, minimal HPs and work to build relationships with current cards.   BIG thanks to to the many on this board who have shared such brilliant wisdom, I would have not got a tiny fraction of these results without what I leaned on this board. 

 

So, with a recent bump in fico score, and a bit of maturity on some cards I strategically went for some CLIs this week

[x] BoA 123 card:   5K to 15K

[x[ BoA Premium Rewards card:  25k to 35K

These were both via luv button, instant.   two months ago they said no.

 

[x] PenFed Pathfinder Amex  10K to 25K

I was able to avoid a HP here but it was a very wild fluke that I could never duplicate, they couldn't pull EQ, I called them and chatted -asked them to look at other things and they overlooked doing EQ after I unlocked it.  I was lucky.

 

[x] NFCU Flagship  15K to 25K

Incurred a HP here (damnit) but seemingly no way to avoid it, and they won't let you piggy back other things on the HP

 

[x] Comenity Total Rewards Visa    8.2K to 10.7K

This morning = 4months +1day since last CLI so I rang the luv button.   

 

Things lined up for sure, all because of what I've learned on this forum.   

Next month AMEX CLI (X3) request and getting the issue with Disco accessing my TU report fixed

Forward goals = continue to avoid HPs, not add cards and foster current relationsnips.

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Message 1 of 11
10 REPLIES 10
Senior Contributor

Re: Strong week of CLI (thanks to wisdom learned on this forum)

Congrats on very nice CLI's !!!

 

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 2 of 11
Community Leader
Senior Contributor

Re: Strong week of CLI (thanks to wisdom learned on this forum)

Congrats.

 

That tiny font is hard to read on these old eyes lol

EXP 760 TU 781 EQ 733
Message 3 of 11
Valued Contributor

Re: Strong week of CLI (thanks to wisdom learned on this forum)

Daaang!!!!     +37.5k....not too shabbySmiley Tongue 


 


 

"MY TAKE HOME PAY WON'T TAKE ME HOME"
Message 4 of 11
New Contributor

Re: Strong week of CLI (thanks to wisdom learned on this forum)


@GApeachy wrote:

Daaang!!!!     +37.5k....not too shabbySmiley Tongue 


Thanks.  Total CLI this week came to 47.5K (typo original post fixed)  .....pretty wild, a year ago I would never have dreamed.   But, I came in to the game fairly clean, I learned a lot from this forum and was (mostly) smart/strategic.  I have more CL than I'll ever use, but glad to have it.  My file is much thicker than a year ago which was a smart move for me.   

But time to grow AAOA and let the HPs continue to fall off.   Mostly want to grow solid relationships with some of these lenders who have (so far) been good to me, I will certainly reciprocate.  

Must be said twice, these results are a direct result of what I learned on this forum.  Thanks to all who share, y'all are appreciated.

-|| ||--|| || ||-
Message 5 of 11
Community Leader
Valued Contributor

Re: Strong week of CLI (thanks to wisdom learned on this forum)

Strong is an understatement. Those are awesome CLIs!
Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 6 of 11
Valued Contributor

Re: Strong week of CLI (thanks to wisdom learned on this forum)

You...REALLY, REALLY, REALLY...

awesome congratulations GIF by Slanted Studios

CONGRATULATIONS on your Successful Gardening, and your LEGENDARY CLIs!!!Smiley Happy

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $19K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card WEMC $6K | NFCU cashRewards $1K
TCL - $117.5K+ | Rebuilding since April 2018
Message 7 of 11
Valued Contributor

Re: Strong week of CLI (thanks to wisdom learned on this forum)


@MachoHombre wrote:

@GApeachy wrote:

Daaang!!!!     +37.5k....not too shabbySmiley Tongue 


Thanks.  Total CLI this week came to 47.5K (typo original post fixed)  .....


Alright Mr. ......wish I had that problem (oops, forgot an extra 10k, hahahaha!)  Cool Hombre!!!!!

"MY TAKE HOME PAY WON'T TAKE ME HOME"
Message 8 of 11
Frequent Contributor

Re: Strong week of CLI (thanks to wisdom learned on this forum)

Your font choice was not as strong as those awesome CLIs!!! Once I found my glasses I was all set!Smiley Happy

 

Congratulations on all. that. credit. 

 

Cheers!!

Starting scores - 480 - 11/05/18
Current Scores -





Message 9 of 11
Community Leader
Super Contributor

Re: Strong week of CLI (thanks to wisdom learned on this forum)


@MachoHombre wrote:

14 months ago I had a "OK" score but very thin file, lender told me this when they didn't give me rockstar rate on a car loan.   So I spent 2018 builidng up my file, -aggressive but (moslty) smart thanks to wisdom on this forum.  When 2019 hit, my goal was no new cards, minimal HPs and work to build relationships with current cards.   BIG thanks to to the many on this board who have shared such brilliant wisdom, I would have not got a tiny fraction of these results without what I leaned on this board. 

 

So, with a recent bump in fico score, and a bit of maturity on some cards I strategically went for some CLIs this week

[x] BoA 123 card:   5K to 15K

[x[ BoA Premium Rewards card:  25k to 35K

These were both via luv button, instant.   two months ago they said no.

 

[x] PenFed Pathfinder Amex  10K to 25K

I was able to avoid a HP here but it was a very wild fluke that I could never duplicate, they couldn't pull EQ, I called them and chatted -asked them to look at other things and they overlooked doing EQ after I unlocked it.  I was lucky.

 

[x] NFCU Flagship  15K to 25K

Incurred a HP here (damnit) but seemingly no way to avoid it, and they won't let you piggy back other things on the HP

 

[x] Comenity Total Rewards Visa    8.2K to 10.7K

This morning = 4months +1day since last CLI so I rang the luv button.   

 

Things lined up for sure, all because of what I've learned on this forum.   

Next month AMEX CLI (X3) request and getting the issue with Disco accessing my TU report fixed

Forward goals = continue to avoid HPs, not add cards and foster current relationsnips.


Well I’ll be a MyFICOer. Thanks so much for sharing. What an impressive CLI lineup, impressive indeed. You should be very proud. A huge congratulations to you. 

GOALS: Garden til APR 2020 and 800 Club


DEC 2019: EX 811, TU 797, EQ 810
SEP 2019: EX 791, TU 797, EQ 804
JUN 2019: EX 788, TU 794, EQ 779
DEC 2018: EX 777, TU 783, EQ 799

|| NFCU CashRewards $30K || AmX Cash Magnet $30K || Discover IT $22.2K || Macy's $20K || NFCU CLOC $15K || NFCU Platinum $12.5K || AmX ED $11.5K || CitiCostco $7K || CitiDC $6.3K ||
Message 10 of 11
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