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AMEX CLI Request - Use Existing FICO or new SP?

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Anonymous
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AMEX CLI Request - Use Existing FICO or new SP?

I have a couple cards with Amex but haven't been able ot request a CLI until now due to an existing BK on my record.  The BK is gone!  If I request a CLI will they use the existing monthly FICO score they have already pulled or will they do a new SP on my Experian?  My monthly FICO was done a day before the BK disappeared off my CR so if they use the existing score then I guess I have to wait until next month when they do a new SP?

3 REPLIES 3
Remedios
Credit Mentor

Re: AMEX CLI Request - Use Existing FICO or new SP?


@Anonymous wrote:

I have a couple cards with Amex but haven't been able ot request a CLI until now due to an existing BK on my record.  The BK is gone!  If I request a CLI will they use the existing monthly FICO score they have already pulled or will they do a new SP on my Experian?  My monthly FICO was done a day before the BK disappeared off my CR so if they use the existing score then I guess I have to wait until next month when they do a new SP?


The existing one. You should wait till the next one is pulled plus a couple of weeks. 

 

 

Message 2 of 4
CreditInspired
Super Contributor

Re: AMEX CLI Request - Use Existing FICO or new SP?

Wait. You’ll be glad you did.

And, IMHO, I would wait 2 months just to be on the safe side.

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macys $24.2K || NFCU CLOC $15K || NFCU Platinum $15K || CitiCostco $12.7K || Chase FU $12.7K || Apple Card $7K || BOA CashRewards $6K
Message 3 of 4
Priory_Man
Valued Contributor

Re: AMEX CLI Request - Use Existing FICO or new SP?


@CreditInspired wrote:
Wait. You’ll be glad you did.

And, IMHO, I would wait 2 months just to be on the safe side.

+1 to this







"Total revolving credit $286,000 Current UTIL >1%"
Message 4 of 4
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