USAA CLI approved Navy Fed Amex denied CLI.

Gmoney144 · ‎12-06-2018

Applied and received cli for USAA Amex 2000 to 6500 and 101st VISA account 6000 to 12000. Navy Fed and Amex denied my cli. I have crazy inquires and cooling off for a year. My AAoa has dropped from 7 plus years to 1 year 11 months. Time to garden. For real this time||||| lol

Business Cards

19eighty5 · ‎12-06-2018

Congratulations on your CLIs!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:

AMEX Delta SkyMiles Reserve | $2,800 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $4,500 | May 2004

Citi CostCo Anywhere Visa | $4,780 | March 2020

Citi Macy's Star Rewards | $11,100 | September 2021

Comenity Overstock | $7,100 | August 2018

Goldman Sachs Apple Card | $6,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $5,000 | March 2020

Audi e-tron - Audi Financial | $85K/72mo/3.24% | March 2022

Anonymous · ‎12-06-2018

COngrats on CLI !!!!!!

AverageJoesCredit · ‎12-07-2018

Congrats and shucks

alvon123 · ‎12-07-2018

congrats on your credit increase!!

Navy Cash Rewards Visa Signature 30,000 @ 11.65%

Comenity Caesars Rewards Visa $20,000 @22.99%

USBANK Kroger Rewards World Elite Mastercard $19,000 @23.99%

xaximus · ‎12-07-2018

Congrats on the CLI!

Scores - All bureaus 770 +
TCL - Est. $410K

schsa210 · ‎12-07-2018

@Gmoney144 wrote:
Applied and received cli for USAA Amex 2000 to 6500 and 101st VISA account 6000 to 12000. Navy Fed and Amex denied my cli. I have crazy inquires and cooling off for a year. My AAoa has dropped from 7 plus years to 1 year 11 months. Time to garden. For real this time||||| lol

Congrats on your cli's!

What was the reason for the Amex denials?

~buried myself in the garden~

Queen_Etherea · ‎12-07-2018

You should get a nice little bump when that AAoA hits 2 years. Mine went from 1 year 11 months and I got a 20 point increase! My oldest account also hit 12 years, so it may have been a combo of both, but you'll get a little one either way.

AMEX denied me for an increase as well. They stated my account was too new. Oh well! I'll try again in 30 days.

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.

Wells Fargo Platinum: 3/17 : $1,900 (Unsecured 12/1/2018 w/CLI)

American Express Blue Cash Everyday: 9/18 : $2,000

American Express Blue Cash Preferred: 12/18 : $10,000

American Express Everyday Preferred: 1/19 : CLOSED

PayPal MC 2% : 09/18 : Closed by Synchony

PenFed Power Cash Rewards : 10/18 : (Merged with Gold) $16,000

Synchrony – Amazon Prime Store Card : 9/18 : Closed by Synchrony

Synchrony – PayPal Credit : Closed by Synchrony

Comenity – Ulta Beauty Store Card : 3/19 : $5,000

Comenity – Express Next Store Card : $5,000 [AU]

Goldman Sachs – Apple Card : 08/19 : $15,000

Wells Fargo PLOC: 3/19 : PAID OFF $5,000

Honda Financial Services : 10/18 : $15K 7.35%

Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)

Noneed2nv · ‎12-07-2018

@Gmoney144 wrote:
Applied and received cli for USAA Amex 2000 to 6500 and 101st VISA account 6000 to 12000. Navy Fed and Amex denied my cli. I have crazy inquires and cooling off for a year. My AAoa has dropped from 7 plus years to 1 year 11 months. Time to garden. For real this time||||| lol

For real for real?? lol

Congrats on the 2 nice CLI