@simplynoir wrote:
@A1Credit wrote:
@simplynoir wrote:Assuming your internal risk score checklist is good then it will be dependent on your EX score like clark_d_shark said. If you can/want pull up your credit scores and check to see when was the last time AMEX did a SP on you. Could give you a better idea on whether to bite the bullet or wait it out a little longer before requesting.
Do you know when they are most likely to do a soft pull? Is it before or after the statement closes? My statement closes on the 13th. I can possibly do another CCT trial to see my pulls but I want to wait until I am almost sure of when they would do the soft pull so it will reflect on the report.
In my experiences they post updated scores 2-3 days after the statement closes. YMMV as always. So, in your case they'll probably update your scores probably around the 16th give or take; probably best to get that CCT trial around the 19th-20th just to be safe. What date do they publish when you check your scores on the dashboard? Might give a better indication than anything else.
All these different scores from different places has me confused. My score from Experian updated today as 650 but I haven't received my updated score from their website yet. I think I will get it around the 15th or 16th. I think I gave incorrect info in my initial post.
***Gardening 3/29/2018 until 9/25/2018***
@simplynoir wrote:
@A1Credit wrote:
@simplynoir wrote:
@A1Credit wrote:
@simplynoir wrote:Assuming your internal risk score checklist is good then it will be dependent on your EX score like clark_d_shark said. If you can/want pull up your credit scores and check to see when was the last time AMEX did a SP on you. Could give you a better idea on whether to bite the bullet or wait it out a little longer before requesting.
Do you know when they are most likely to do a soft pull? Is it before or after the statement closes? My statement closes on the 13th. I can possibly do another CCT trial to see my pulls but I want to wait until I am almost sure of when they would do the soft pull so it will reflect on the report.
In my experiences they post updated scores 2-3 days after the statement closes. YMMV as always. So, in your case they'll probably update your scores probably around the 16th give or take; probably best to get that CCT trial around the 19th-20th just to be safe. What date do they publish when you check your scores on the dashboard? Might give a better indication than anything else.
All these different scores from different places has me confused. My score from Experian updated today as 650 but I haven't received my updated score from their website yet. I think I will get it around the 15th or 16th. I think I gave incorrect info in my initial post.Hmm, based on what I understand here while EX may have updated your score today with 650, AMEX will continue to use the score from last month since your statement hasn't closed yet. You'll have a better idea on your score once that happens since they won't update it til then.
That make sense. Thanks! Crossing my heart, fingers and toes that I get an increase this time.
@A1Credit wrote:
@Anonymous wrote:When I was initially approved for the AMEX BCE, my SL was also 1K just like you, my score dropped 31 pts. when the account got reported lowering my AAoA. When I went for my 61 day CLI, it was denied as well stating that it was due to my credit score. So, I gardened and increased my scores and was able to raise it back 29 points when I hit the CLI button and got my 3X CLI to 3K. That was 91 days post denial. So assuming nothing else on your reports have changed, and you have been paying your balances on time, I think you are likely to get approved for the limit increase, since AMEX would also decide based on their internal risk score.
Score upon approval: 742
Score during recent CLI request: 727
My scores are no where near as good as yours.
I understand, but it does not mean that your Internal risk score is not good enough to receive a CLI. Score is just one factor in the equation. And it's a SP so you don't really have anything to loose. But if you want to be sure that AMEX pulls your most recently updated score, apply a few days after your FICO score updates with AMEX.