Hi Guys,
I just wanted to report a CLI request success after CLI denial for 5 straight months on my Sams and Lowe's Cards, they finally approved limit increases.
Lowes 500 to 4400
Sams 1400 to 3500
For months, their number one reason for denying me an increase was lack of Mortgage Debt. Yeah, everything is in a Real Estate Trust, nothing shows up on my reports. Anyways, I'm glad to be out of the sand box.
P.S To be fair, Synchrony was my second largest creditor burned in my Chapter 7 in 16'. But persistance paid off.
TU 680
DTI Low
UTI 33%
Cards opened sometime in 18'
Fico Scores: F9 EQ 791 TU 803 EX 781 (Oct 2024 updated)
Virtually slap me if I apply for anything else before August 2026 and remind me I'll never get my U.S. Bank Altitude Reserve Visa Infinite (USBANK retired this card this card in 2024).
In garden from July 27th 2024 to August 2026.
New Accounts: 6/12 11/24. DTI less than 5%. TCL Personal 333,163. Auto loan: SETF (estimated) initially owed 47000 / Current 32000 owed @ 60 months / 3.75% / April 2023 origination
