WalMart Synchrony. CLI help

[_NERD]

SL: 600 (May, 2015)

CLI to 700 (4th statement, auto CLI)

CLI to 900 (last month, auto CLI)

Current balance: 615.31

Today's FICO 8 scores are in my sig, whether you're on the desktop or the mobile site. I've read on this forum the other night that 650 TU is key for manual CLI request. And 700 TU also.  I've been here for about one year now, and I hate to sound like I'm new to this, but......

Anyone think I have a shot at a CLI via Credit Solutions? I'm going to PIF this account and three other revolving accounts in 2-3 weeks when my tax refund arrives. I should be above 700 across the board 30-40 days afterward. I would request a CLI again at that time.  The matter I'm addressing is whether I could pull off a CLI with a 635 TU FICO 8 score at the moment.

Please and thank you.

[Anonymous]

You could have a problem  with Synchrony NOT using a current FICO8 score, and using one from months ago. Someone else just posted earlier today about them using a score from 12/2015 for their CLI

[_NERD]

I've had that experience. I have every CLI denial letter. Some of the TU scores were almost 2 months old in some cases. I forgot about this possibility. Thank you for sharing. 

UPDATE: Credit Solutions gave me the finger.  The rep assured me he was pulling a new report.  I asked for 10k. He said he couldn't up the limit at all "at this time." Oh well. I'll try again in May. I'm PIF 6 revolving TLs (possibly 7). 

[Anonymous]

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@ShortBus wrote:

I've had that experience. I have every CLI denial letter. Some of the TU scores were almost 2 months old in some cases. I forgot about this possibility. Thank you for sharing. 

UPDATE: Credit Solutions gave me the finger.  The rep assured me he was pulling a new report.  I asked for 10k. He said he couldn't up the limit at all "at this time." Oh well. I'll try again in May. I'm PIF 6 revolving TLs (possibly 7). 

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Sorry to hear about the denial. Once you pay your cards in full, and wait until they all update the new balances on your credit reports, then you can try credit solutions again. You'd be surprised how much your scores are affected by high util. Once the util is way down, you should see a pretty big score increase.

[_NERD]

Thank you JM3. I look forward to doing just that. I hope to have a 25k CL Walmart Synchrony account one day. Just to say I did it.

[EAJuggalo]

Just as a data point, my EX dropped 89 points when my Utilization went from 2% to 67%

[_NERD]

I forgot I hit the love button at the end of the month, prior to creating this thread. I got a letter by mail today. It didn't ask me any questions or make offers. It just said something to the effect of not being able to request love online "at this time". I didn't know a letter was coming. There was no review of my credit profile. Here's what the letter said:


Synchrony Bank has reviewed your request to increase the amount of credit or to make additional purchases on your Walmart Credit Card account.

At this time, we are unable to approve your request due to insufficient experience at your current credit limit.

We certainly appreciate your shopping with us, and we look forward to serving you again soon.

[GirlMelanie89]

As someone else stated...you'd be amazed at the affect util has on credit scores. My scores increased from 610s/620s to 660s/670s by lowering my util from 83% to 2%! Had I not had missed payments post BK,😔 (Bad I know! I'm confident my score would have been at or really close to 700 by now.

[_NERD]

I look forward to PIF the 6 revolvers this week. I have added the statement closing dates for all my TLs in my Exchange calendar with 24hr advance notifications. A lot of mobile devices are going to remind me simultaneously throughout the month.

I'm so upset that today is the statement closing date for one of my TLs and I won't be able to PIF in time. Now I have to wait until this time next month to mtg app. )=

Thank you for sharing.

[GirlMelanie89]

Ugh!! That is the worse! I had to do that as well and waiting sucked!!!! But it was definitely worth it! Do you know fear your mortgage scores are?